农民融资担保方式运行现状实证研究

Empirical Study of the Current Situation of Farmers’ Financing Guarantee Mode

农民融资难的深层次原因在于担保难。农业和农民财产状况的特点,使农民难以通过传统的法定担保方式获得金融机构的贷款。实践中出现的一些新型担保方式对农民融资有积极作用,但因相关法律制度的不完善,在实际运作中面临诸多困难。改善农民融资困境的着眼点,在于消除融资担保方式适用中的障碍,建立和完善与农村社会经济发展现状和农民财产状况及融资特点相适应的融资担保方式。

The underlying cause of farmers’financing problems is the guarantee.It is difficult for farmers to obtain loans from a financial institution by traditional statutory forms of guarantee because of the features of agriculture and farmers’financial condition.In practice,some new guarantee ways have positive effects on farmers’financing.However,due to the defective legal system,there are many difficulties in practice.Improving the plight of farmers’financing lies in eliminating obstacles in financing guarantees and establishing and improving a new type of financing guarantee,which fits rural economic development status and property status and financing features of farmers.