Study Of The Patterns Of Our Country Rural Loan Guarantees

Agriculture as an important basic industry,is paid great attention to by all countries in the world,rural areas and agriculture in our country’s economic status is more important in the process of the reform and development,especially after the reform and opening up,with the rapid development of urban economy,urban and rural dual economic structure problems,in order to build a new socialist countryside which makes it necessary to promote the development of China’s urban and rural economy overall plan as a whole strategic options.A lot of money is the material premise of new rural construction,but the financing difficulty of farmers is restricting farmers’ living standards improve,a big obstacle to the further development of rural economy.As the rural areas lack of security mechanisms,it limits the size of the rural financial institutions and the expansion of credit support for agriculture.How to quickly solve difficult security problems in rural areas,establish the risk transfer system to support the development of rural finance,Become main problems whether they can affect the smooth progress of new rural construction.Therefore,study rural credit market’s problems are important to solve farmers’ difficulty on getting loans,promoting agricultural and rural economic development.This paper by the author in the work at ordinary times the collected information and a series of investigation and study,through the summary and analysis,combined with the latest development of the current rural credit guarantee model,on the specific economic situation of the rural loan guarantee pattern innovation and the development trend of the research,several kinds of guarantees from the current model,reveals the important role of rural loans to rural development,and puts forward some Suggestions on guarantee mode,put forward new ideas of perfecting our country’s rural microfinance loan guarantee mode,hope to a certain extent,to perfect our country rural credit guarantee mode to provide theoretical support and method guidance.