农村信贷担保现实困境和法律对策论文.docx

农村信贷担保现实困境与法律对策摘 要促进农村信贷担保的健康有序发展是金融支持三农的有效途径，在加速农村资金循环融通，促进农民、农户、农企与金融机构的良性互动，推动农村经济可持续发展方面有非常重要的作用。但由于农村信贷担保法律体系不完善、信贷担保物缺失、信用环境弱化、信贷担保风险补偿机制不健全等原因，农村信贷担保发展缓慢、管理欠缺，在一定程度上制约了农村经济的有序发展。本文从总结我国农村信贷现状出发，归纳了我国目前农村信贷融资的主要渠道和信贷担保的主要形式及法律规定，提炼了目前制约农村信贷担保发展的主要问题，结合国外农村信贷担保体制的经验，就如何进一步建立农村信贷担保法律体系，有效扩大农村信贷担保物、促进农村信用环境建设和完善农村信贷担保风险补偿机制等方面提出了自己的粗浅意见。文章分为四大部分：第一部分简要介绍了我国目前农村信贷的现状，并就农村信贷融资的主要渠道、信贷担保的主要形式和法律依据进行了概括说明，重点就现行农村信贷担保制度的弊端进行了阐述。第二部分阐述了造成我国农村信贷担保困境的主要原因，即农村信贷担保法律体系不健全、农村信贷担保物范围狭窄、农村信用环境弱化、信贷风险补偿机制不完善等问题。第三部分介绍了国外，主要是美国、日本、法国、印度、孟加拉国的农村信贷担保体制建立和完善的经验，从中提炼了国外经验对中国农村信贷担保体制完善的启示。第四部分是本文的重点部分，根据前文提出的问题，就如何健全农村信贷担保法律体系、扩大农村信贷担保物范围、推动农村信用环境建设和完善农村信贷风险补偿机制提出了创设制度、完善立法、修改法条、加强监管等方面的建议和意见。关键词：农村信贷，担保，抵押，法律THE REALISTIC PREDICAMENT AND LEGALCOUNTERMEASURE OF THE RURAL CREDITGUARANTEE SYSTEMABSTRACTTo improve the healthy development of rural credit guarantee is not onlyan effective way of supporting the issue of farmers, countryside andagriculture, but also an important way of advancing the rural capitalcirculation, promoting the interaction between the rural financial clients andfinancial institutions, and furthering the sustainable development of ruraleconomy.The rural credit guarantee system, however, is developing veryslowly because of the incompleteness of rural credit legal system, the lack ofguaranty, the weakness of credit environment, and the imperfection of creditrisk compensation mechanism.This article will start from the current status of rural credit, majormethods and forms of rural credit, and related laws and regulations.Moreover, the author will, by elaborating the key issues of the developmentof rural credit guarantee and analyzing relevant foreign experience, present inthis article her initiative opinion on how to improve the legal system of ruralcredit guarantee in further, increase the guaranty, build up the rural creditenvironment, and establish the effective rural credit risk compensationmechanism.The article consists of four sections:In the first section, th