涉农贷款中新担保措施的合法性及有效性分析

The Legitimacy and Validity Analysis in New Guarantee Measures of Agricultural Loans

为防范涉农贷款违约风险,部分农村信用联社积极探索,创新出债权文书公证方式、以人身险保险金担保债权等担保方式,以确保债权得到切实维护。这些新担保方式一定程度上增加了农村贷款供给,但存在法律风险。本文着重对这些新措施、新方法的合法性及有效性进行了探讨。

In order to guard against agricultural loan default risk, some rural credit association actively explore innovative way such as the claim documents notarized, life insurance guarantee, to ensure the creditor＇ s rights. These new guarantee methods increase the rural credit supply to some extent, but there are some legal risks. This paper focuses on the legitimacy and validity of the new guarantee methods.