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Position: Home > Articles > The Problem of Guarantee Constraint and Counter-measures of Rural Credit in China Issues in Agricultural Economy 2006 (02) 70-73+82

农村信贷融资中的担保约束及其解除

作  者:
胡士华;李伟毅
单  位:
西南大学经济管理学院;农业部产业政策与法规司
关键词:
农村金融市场;信贷融资;第三方担保
摘  要:
健全的信贷担保机制是扩大金融交易规模、克服信贷约束的有效手段之一,但在实践中,由于受产业弱质性、实际财产分布及产权交易市场不健全条件的制约,我国农村信贷市场上几种主要贷款担保方式并不能适应现实的需要,加剧了农村信贷约束。发展规范的第三方担保组织,构建农村信用担保体系,可以作为目前各种形式信贷担保方式的有效替代,一定程度上缓解这种担保困境。
译  名:
The Problem of Guarantee Constraint and Counter-measures of Rural Credit in China
作  者:
HU Shihua and LI Weiyi
摘  要:
Rural families or SMEs in China can hardly profit from existing credit guarantee in rural finance market. It is necessary to introduce the “third-party guarantee” to substitute current ways of guarantee, which may partly relieve the dilemma in present credit system. Consequently, the government should adopt some measures to support the development of all kinds of rural credit guarantee institutions in China

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