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当前农业经济的日益发展和资金投入的不足,凸显出农村金融贷款投入与企业资金需求矛盾加剧,主要表现是农户和农村中小企业贷款难,在商业银行的贷款结构中农业企业贷款占比偏少。通过农村经济发展对融资需求的现状分析,深入剖析农业企业贷款抵押担保中存在的问题和成因,并从拓宽农业企业贷款抵押担保的渠道,着重探索适应我国现阶段农业企业抵押担保的新形式,提出了一些解决农业企业贷款难的对策建议。
The current development of the agricultural economy and the lack of capital investment highlight the increasing contradictions between the rural financial loan investment and the capital needs of enterprises. The main performance is that it is difficult for farmers and rural small and medium-sized enterprises to make loans. In the commercial bank loan structure, the share of agricultural enterprises in loans is relatively small . Through analyzing the current situation of financing demand in rural economic development, this paper deeply analyzes the problems and causes in loan guarantee of agricultural enterprises, and explores the new forms of mortgage guarantee to agricultural enterprises in our country from the perspective of broadening the channels of loan guarantee for agricultural enterprises, Put forward some countermeasures and suggestions to solve the difficulty of agricultural enterprises loans.