论我国农村融资担保法律制度的改革与创新

The Reform and Innovation of the Legal System of Rural Financing Guarantee

由于我国"三农"资金短缺的状况较为严重,农村融资需求强烈,各地陆续出现诸如农村房屋及宅基地、农村土地承包经营权、林权的担保融资及其他权利质押融资等对农村融资担保法律制度的改革性尝试。然而,目前我国农村融资担保的法制障碍仍未完全消除,操作细则和配套机制也尚未完善,无法满足农村社会经济的现实需求。对农村融资担保法律制度进行改革和创新,应当引入新的价值理念,保持农村融资担保多元功能间的协调性,完善农村融资担保的主体运作机制和配套机制。

The reform attempt of rural financing guarantee legal system,such as the financing guarantee of rural house,house site,rural land contracted management right and ownership of forest and other rights pledge,has mushroomed in our country because of the strong demand of rural financing which caused by the severe fund shortage.However,the legal provisions that have seriously been hampering the financing of rural areas in our country have not been erased yet.Moreover,the cooperative organizations and improve the supporting legal mechanisms have not been perfected.All of these situations cannot meet the need of rural society and economic.To reform and innovate our rural financing guarantee legal system,we should introduce new value,maintain the coordination among the plural functions of rural financing guarantee,and perfect the main manufacturing organisms and the supportive organisms of rural financing guarantee.