Rantee Of Legal Thinking

Finance is the core of modern economy, while the capital is the "blood" of economic development. Rural economy can not develop without the support of modern finance. In China's financial system, the weakest rural financial system and lack of rural credit further limit collateral sources of funding in rural areas. The establishment of effective rural credit guarantee mechanism and choosing a more effective way to improve rural credit guarantee services are the keys of the rural alleviation to get loans. Therefore, a fundamental solution to the problem of rural credit is difficult to be effectively resolved the problem of insufficient collateral to facilitate loans to farmers and prosperous rural market.This article is based on the reality in rural areas and uses comparative, empirical research methods, theoretical explanation and empirical analysis of rural credit by way of security from a legal point of view by way of security innovation and new rural credit and rural credit effectively the problem of insufficient collateral. This Paper is divided into six parts:The first part of this paper systematically outlines the background, significance, and by way of security for rural credit at home and abroad carried out by the research results and presents this paper to solve the problem of insufficient collateral effectively. The second part is mainly about the basic theoretical problems of rural credit guarantee to define the meaning of rural credit guarantee and a clear connotation of this study and describes the basic theory of economics credit guarantee viewpoint for this study provides proof of the necessity of Economics; analysis and micro-credit Private lending relationship, determine the extension of this study.The third part is reference to the way to sort out the rural credit guarantees and outlines problems, specific analysis of the land contract and management rights secured by way of security constraints, financial guarantee system risks and legislative measures to improve the system; the right to land contractual management revenue The legal basis for the pledge by way of security and operation mode design; farmers the legal basis of housing collateral and feasibility analysis; credit institutions by way of security analysis and a reasonable legal basis for analysis. By the previous analysis, summarized by way of security of rural credit problems.The fourth part selectes the United States, Japan and Bangladesh, the three countries, rural credit guarantee typically successful practice, through the experience of foreign countries the introduction of rural credit guarantee to the rural credit guarantee on our way to choose to provide useful references.The fifth part is the legal thinking of this paper ie, the countermeasures. Mainly to the efforts of three:a sound legal system of rural credit guarantee and improve the security of new rural credit laws; to expand scope of rural credit collateral; strengthen the Government's supervision of rural credit guarantee to prevent and reduce the risk of rural credit guarantee.The sixth part is to solve a problem stated in this paper and gives a certain outlook and takes an example of Chengdu way to explore new credit guarantees to legal practice, and finally this article provides research direction and continuing and necessary study.