| The promotion of the peasant household joint guarantee loan has achieved some results in recent years. At the same time in achievements,we can find some problems on economic efficiency,risk control,product marketing and lawful recovery of loans and so on. If these problems can not be solved early, the peasant household joint guarantee loan will not continue after some time.The cause of these problems is very complex. I analyze these problems by using the theory of financial ecology. The rural financial ecosystem mainly includes rural financial environment and rural financial ecological principal. Because of some defects on the two aspects, the peasant household joint guarantee loan can not operate soundly. The defects in rural financial environment mainly includes the improper control of interest rate,agricultural insurance lag,behindhand personal credit rating system,inefficient lawful recovery of loans and fluctuation of the market. While the defects in rural financial ecological principal mainly includes marketing management lag, credit risk management lag and human resource management lag.To sum up, the final solution of the problem is an arduous and complex system project. The rural credit cooperatives can not solve by themselves. Because China is a market economy country whose government lead market,the peasant household joint guarantee loan is a kind of Quasi-public goods,the government has duty to adopt some policies to support the development of peasant household joint guarantee loan services. Moreover, these policies can also benefit other rural financial institutions. As to the rest, regardless of whatever purpose, they can adopt some policies to assist the rural credit cooperatives to expand the peasant household joint guarantee loan services. I am sure, the peasant household joint guarantee loan services can be developed nicely and quickly if the government,rural credit cooperatives and the other aspects could work together by their effort. |
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