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中国农村金融支持力度一直制约着农村经济的发展,由于农业经济的风险大、周期长等特征,同时农户的财产特征和中国法律、法规使得农户缺少合法的抵押品,导致商业银行无法实现在农村的有效经营。本文根据农户现有的财产特征,设计规范标准、为商业银行所接受的抵押,或者设计适合中国农村情况的抵押替代,以克服中国农村信贷交易的困境。
China’s rural financial support has always restricted the development of the rural economy. Due to the characteristics of the agricultural economy such as high risk and long cycle, the property rights of peasants and Chinese laws and regulations make the peasants lack of legal collateral, resulting in the failure of commercial banks in rural areas Effective management. This article based on the existing property of farmers, design norms, mortgage accepted by commercial banks, or mortgage designed to fit the situation in rural China to overcome the plight of rural credit transactions in China.