农村互助担保：形式创新与制度缺陷

区别于政策性担保的行政性和商业性担保的盈利性，互助担保凭借内生的信用联合，天然具有信息对称、成本低和风险小的优势，在农村得到了迅速发展，有效缓解了金融瓶颈制约。文章结合山东省农村互助担保的发展与创新，介绍、分析了当前普遍推行且卓有成效的三种组织形式及运作：“农户自助”、“农户＋企业”、“农户＋中介”，指出推进农村小额信贷发展务必使互助担保在风险约束、资格认定以及牵制、退出等制度方面做出改进，实现与银行信贷制度的有效衔接。

Rural Credit Assurance： Organization Innovation and System Drawback

Credit assurance is different from the administration of policy assurance and profitability of Commercial assurance. With the endogenetic credit combination, it has the advantages in information symmetry, such as low cost and risk. Credit assurance lightens the restriction of rural finance. This paper introduces three kinds of credit assurance in Shandong province, and suggests that rural credit assurance must make improvement in restriction of risk, validation of qualification, etc.