| Unable to provide effective collateral has become one of the conditions restrict farmers’ access to loans, and agriculture to expand reproduction, the funds can not meet the need for additional equipment and technological innovation, which greatly restricted the process of agricultural industrialization. The emergence of the farmers guaranteed loans solve this problem to some extent.In recent years, the work of promoting the farmers guaranteed loans has achieved results, but in the obtained result, but also exposed the economic benefit, risk control, product marketing, legal recovery of many problems.If these problems can not focus on addressing early, the farmers guaranteed loans business will inevitably exist unsustainable development. According to the problems above.The author thinks that the current reason which prevents farmers guaranteed loan business development is mainly embodied in improper control of interest rate, agricultural insurance lag, the absence of personal credit information, lack of legal recovery, agricultural market fluctuation, marketing management lag, credit risk management lag and human resource management lag. Anshan Rural Credit cooperatives in order to promote micro and small enterprises credit sustainable development, ongoing small enterprise financial innovation of management system, operation mechanism and business model,extending the guaranteed loans of farmers on the basis of the standard micro credit model.The author depth understanding of Anshan Rural Credit cooperatives farmers guaranteed loans in the design mode, operating mode, present situation of development, the security mode, constraining factors and so on. Through setting forth the reasons for the successful promotion of the Liaoning Rural Credit cooperatives farmers guaranteed loans and current problems, this paper introduces how to improve the financial environment in rural areas, and ultimately achieve the purpose of the sustainable development of the farmers guaranteed loans. |
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