The Infulence Of The Development Of Rural Economy Of Our Country Of The Credit Guarantee Problom

Now the primary problom to slove the “three rural problom” is the shortage of funds.Mostly farms and medium-sized enterprise’s development is relatively backward,economic strength is not strong,their own weaknesses,as well as the flaws our country’s financial institution aiming at rural credit,many financial institutions are reluctant to grant large loans to rural enterprises and farmers.To slove the problom of funding gap and rural credit,it is necessary to fundamentally improve the rural financial system and prefect the policy of support agriculture.Credit guarantee can provide borrowers of loan guarantees through intermediary;it t is a measure that bank can protect the safety of their money;it can accelerate the effective ciculation of funds;it also can prompte the positive interaction betweent the farmers,companies and banks;it is also play a promoting role for the development of rural economy and the development of medium-sizes enterprises.However,due to China’s economic development imbalance between urban and rural areas;rural financial development lag behind;rural’s lack of effective collateral;rural economic subject are lack of credit;and the relative law of credit guarantee are not adapt to rural environment,make the development of credit guarantee in rural slowly,even the phenomenon of stagnation appears.This article take LinYing pepper industry as a case study of rural credit guarantee,the text has the following several aspects:part one I present you the background of the subject and significance of research;part two I introduce domestic and foreign literature review about the credit guarantee;Part three I analyze the reason of the rural financial market conditions and the reason of rural credit hard.First of all, starting from the rural financial reform,points out the rural financial reform has achieved certain results,provides favorable conditions for rural economic development,And pointed out a series of problems of the rural financial market.And then points out the reason of the rural credit hard,especially the lack of credit、Rural credit cooperatives are running out of steam to provide the loan for farmers、agricultural risk compensation and transfer mechanism is not sound and Poor rural credit environment, etc are the main reason of rural credit difficult.The end of this chapter analyzes several reasons of guarantee system is not sound,mainly include mortgage and lack of collateral、The credit form is single、the credit guarantee system is not sound;Part four I analyze the pepper industry development present situation of Lin Ying、 the pepper industry credit guarantee environment and credit guarantee mode And the existing problems.First of all from small pepper production status、growing status quo and sales status three aspects analyzes the hot pepper industry development present situation,then from the financial organization、number of lending Two aspects I analyses the environment of credit guarantee.Finally puts forward three modes of the hot pepper industry credit guarantee:Farmers of group insurance mode、 "enterprise + peasant household" guarantee mode、the contracted management of rural land mortgage guarantee mode,and analyzed the problems existing in the three modes.part five I put forward development suggestions in view of LinYing credit guarantee. The test based on the research of the credit guarantee of LinYing pepper industry,provides more possibilities for solve the problom of rural capital demand and the development rural economy.