Legal Studies Of Indirect Financing Guarantee System In Rural China

With the continuous development of China’s rural economy, rural difficulty in financing has become an important factor on constraints of rural financial development. The healthy development of Rural indirect financing is an effective way to promote the development of rural finance, and to address the "three rural" issue. Rural indirect financing mad a very important role in accelerate the use of capital in rural areas and revitalize the agricultural assets, and promote farmers, rural SMEs and financial institutions cooperation, to promote the new rural construction.This paper aims to explore the way to solve the problem of indirect financing in rural areas by law. This article first summarizes the status of indirect financing of rural derived imperfect legal system guarantees that restricts the development of indirect financing in rural areas. Second, combing China’s current main channel and the way of guarantee of indirect financing, basically have credit guarantee mode, LianBao mode, mortgage guarantee mode and the pledged collateral mode and summarizes the current constraints guarantee of indirect financing. The problem is law, policy support insufficiency, the collateral scope of small and property rights transfer system is imperfect. Finally, based on the combination of the above and with foreign experience, made some suggestions on how to further improve the legal system of secured financing of rural indirectly include 1, in how to expand the range of collateral in rural areas of indirect financing,the article puts forward the main rural areas allowed fixed assets finance, improve current legal system; 2, the establishment of agricultural insurance, agricultural insurance for the establishment of the modern insurance will not only help to play the role of agriculture in hedging, but also can expand the scope of agricultural collateral; 3, in improving the credit guarantee system, rural credit guarantee should be to develop at this stage, the promotion of rural financial development has a positive effect; 4, in the establishment of a unified mortgage registration system, rural financial development is clear premise of procedural obstacles.