涉农贷款中保证担保的法律思考

我国农村信贷发展中,第三方的保证担保发挥着积极作用。然而,在涉农贷款实践中,保证担保制度仍存在许多问题:农户联保贷款虽得到了广泛的推广,但仍存在诸多不足有待进一步完善;作为农村重要组织的村民委员会的保证人资格问题仍存在争议,需要立法予以规范;保证担保公示制度的不健全,增加了涉农贷款的风险,亟待建立有效的保证担保公示制度。

Thinking about the agriculture-related loans guarantee

The third party guarantee plays a positive role in the development of rural credit in our country. However, in the practice of agricultural loan guarantee system, there are still many prob-lems. Although commerce loan in the rural area has been widely spread, but many deficiencies need to be further improved： There is a controversial issue about the eligibility of the village committee, which needs regulating the legislation; The public system of guarantee is not perfect, which increased the risk of agricuhure-related loans, so the effective guarantee public system should be established urgently.