On The Improvement And Sustainable Development Of Peasant Joint Guarantee Loan Pattern In Our Country

Since the new century, China’s rural economy has made great progress, the rural financial system to serve the rural economy has been greatly developed. In order to solve the loan problems of both sides, the peasant joint guarantee loan is created by China’s rural financial institutions after learning from theories and practices abroad. Combined with China’s rural reality, it is a new varieties of credit business and has a positive role to promote the development of local rural economy. It has a practical significance to study on the improvement and extension of the peasant joint guarantee loan in order to resolve the loan problems no matter of farmers or of large leading enterprises.Based on the domestic and foreign literature collation and summary, this thesis made a theoretical analysis on peasant joint guarantee loan.Firstly, the feasibility of peasant joint guarantee is described. Then, the comparative advantages of the larger scale of the loan is found,the scale of growth can promote more social and economic welfare improvement. And the thesis accomplished the preliminary theoretical design of the loan’s series products.Next is the analysis of the present situation of the peasant joint guarantee loan in our country. Investigation from all over the country show that the loan’s development is not balanced, the regional differences is obvious, and there are still many problems and constraints prominent which need more policy and mechanism to stimulate its inherent advantages. From the theoretical analysis and practical experiences, systemic risks should be paid great attention to, and it can only be relyed on external forces to solve.Then, this thesis focuses on two representative specific cases in Dezhou city, Shandong provience. One of them is "Qi-he Experience", the article explain the development backgrounds, the main practices and its achievements. The second is about "Zhong-ao Pattern", the writer made a reflection from different angles on the financing predicament of the Zhong-ao Group, which is the leading enterprise of agricultural industrialization and has large loan requirements for its growth.Finally, based on the above analysis of different levels, the thesis proposed the improvement direction and policy recommendations which focus on reliefing the restrictive factors and improving the supporting mechanism that previously mentioned.