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为更好解决农村地区金融网点覆盖率低、金融供给不足、竞争不充分等问题,加强农村金融服务,促进和谐社会发展和新农村建设,为农村金融“补血”。自2007年开始批准建立村镇银行,经过两年已有很大的发展,到今年3月份村镇银行的数量已达到97家。但在其发展中仍有许多问题,尤其是担保制度已成为制约村镇银行发展的瓶颈。本文将通过法律的视角分析担保制度中的问题。
In order to better solve the problems of low coverage of financial outlets in rural areas, inadequate financial supply and inadequate competition, rural financial services should be strengthened to promote the development of a harmonious society and the building of a new rural area. Since 2007, the establishment of village and town banks has been approved. After two years of great development, the number of village and town banks reached 97 in March this year. However, there are still many problems in its development. In particular, the guarantee system has become a bottleneck restricting the development of rural banks. This article analyzes the issues in the guarantee system through the legal perspective.