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农民融资困难是制约我国农村经济增长和农民收入提高的一大障碍,其关键在于农民从正规金融机构获得贷款的担保机制不甚完善。农村小额贷款担保机制的建设对解决农民问题有着重要意义。笔者就目前农村小额贷款担保机制的现状及其原因进行了深刻分析,并进一步探讨了农村小额贷款担保机制。
The difficulty of peasants ’financing is a major obstacle to the growth of rural economy and the increase of peasants’ income in our country. The key point is that the guarantee mechanism of peasants getting loans from formal financial institutions is not perfect. The construction of rural micro-loan guarantee mechanism is of great significance to solve the problem of peasants. The author analyzes the status quo and reasons of the current rural microfinance guarantee mechanism and further explores the rural microfinance guarantee mechanism.