中国农村金融信用担保体系构建

The Construction of China Rural Finance Credit Guarantee System

健全的农村金融信用担保体系对于破解农户"贷款难"与金融机构"难贷款"问题具有重要的现实意义。本文围绕农村信用担保体系建设问题,从农村金融供给二元结构出发,基于信用担保制度的正式与非正式研究视角,在厘清信用担保形式的内涵和边界的基础上,构建了"二元结构,四种层次,n类形式"的信用担保体系,认为当前农村信用担保体系创新的核心是担保形式的创新,下一阶段的突破点是抵押担保深化和信用资源开发。

The consummate rural financial credit guarantee system for cracking farmers'loans difficult'with financial institutions'hard loans'problem has important practical significance. This paper focuses on the problem of rural credit guarantee system,From the dual structure of rural financial supply starting credit guarantee system based on formal and informal research perspective,in the form of credit guarantees to clarify the meaning and boundaries,based on the construction of the'dual structure,four levels,n class form'credit guarantee system that the current rural credit guarantee system innovation is the core of security in the form of innovation,and that the next stage of breaking point is secured by deepening and credit resource development. Accordingly,the proposed development and the improvement of rural credit guarantee system relevant policy recommendations.