农村信贷担保现状及完善对策_山东省青州市东夏镇农村信贷调查.pdfVIP

No．7 2010 林业经济 FORESTRY ECONOMICS ·调查与思考· 农村信贷担保的现状及完善对策 ——— 山东省青州市东夏镇农村信贷调查 法文宗 ( 中国人民大学财政金融学院北京 100872) 摘 要：农村信贷担保是农村金融制度的重要支柱，是解决农村融资难问题的基本途径之一。 由于受各种因 素制约， 目前农村信贷担保在制度建设、管理创新等方面还存在一些缺陷和不足，需要有待进一步完善和提 高。 该文以此为出发点，深入山东省青州市东夏镇进行实地调研，结合现代审计理念，透过内审视角，分析农 村信贷担保的现状，有针对性地提出相关完善对策，以期对我国农村经济发展、“三农”政策完善有所帮助。 关键词：农村信贷；改革；担保方式；法律；农村金融 中图分类号： 文献标识码： 文章编号： （ ） F304．4 A 1673－338X 2010 07－0059－05 The Rural Credit Guarantee and Countermeasure ——— Investigation on Dongxia Town Rural Credit in Shandong Qingzhou Fa Wenzong (School of Finance of Renmin University of China , Beijing 100872 ） Abstract: Tthe rural credit guarantee is the important pillar of rural financial system and one basic way to solve financing rural difficulty. Due to various factors, current rural credit guarantee system construction and manage- ment innovation in the aspects of some defects and deficiencies still exist, the need for further improvement and improve. The paper in this summer, the town of Shandong Qingzhou investigation, combining modern idea of au- dit, internal perspective, through the analysis of the current rural credit guarantee, pertinently put forward rele- vant countermeasures to improve rural economic development, to help policy issues concerning agriculture, coun- tryside and farmers. Key Words: rural credit; reform; assure means; legal; rural finance 济发展的瓶颈。 1 研究缘起及方法