促进农村消费信贷视角下的农村信贷担保机制研究

发布时间：2018-02-15 12:42

本文关键词： 农村消费信贷信贷担保担保机构抵押物担保方式制定完善　出处：《西南政法大学》2014年硕士论文　论文类型：学位论文

【摘要】：十八大报告文中提出“解决好农业农村农民问题是全党工作的重中之重”。当前我国经济已经发展到一个新的阶段，地区发展不平衡，城市和农村发展差距过大问题急需解决。我国作为一个农业大国，，广大农村地区蕴含着巨大的消费潜力。完善农村消费信贷市场，满足农村消费信贷需求，发掘农民消费潜力，是发展农村经济的必要举措。然而由于我国现行农村担保制度的不完善，担保主体的缺乏、担保客体范围的狭窄以及担保模式单一等原因，导致农民“贷款难”和金融机构“放款难”的现象普遍存在。严重阻碍了我国农村消费信贷的发展，制约了农村消费市场的发展和农民消费水平的提高。美国、德国、日本、孟加拉国、印度尼西亚等国家拥有完善的农村担保法律制度。针对我国促进农村消费信贷视角下农村信贷担保主体缺乏、担保客体缺少以及担保模式单一等诸多问题。建立农村信贷担保机构，完善农村信贷担保主体，扩大农村信贷担保客体范围以及实行小额信贷，创新农村信贷担保模式等法律制度，可有效解决农村金融市场上阻碍农村消费信贷发展的担保法律问题，从而有力的促进了农村消费信贷的发展。农村信贷担保制度的完善，将会有效克服农村金融市场上的信贷约束，扩大农村消费市场的信贷供给，促进农村消费信贷的发展。因此，本文以经济法中可持续发展原则、法治化原则等原则为指导，在促进农村消费信贷视角下研究国外发展农村消费消费的担保机制立法和实践。结合我国本土实际情况，通过健全信贷担保主体，扩大信贷担保客体范围，完善配套法律制度以及完善信贷担保模式以促进我国农村消费信贷的发展。本文除前言和结语之外主要分为四大部分：第一部分为促进农村消费信贷视角下农村信贷担保机制的一般理论。本部分阐述了促进农村消费信贷视角下农村信贷担保机制的理论基础，分别从经济学理论中的交易成本理论、信号传递理论等以及经济法学理论中的市场失灵理论、政府失灵理论以及外部性理论的视角阐述在促进农村消费信贷视角下农村信贷担保机制的理论基础。第二部分在促进农村消费信贷视角下对我国农村信贷担保机制的实施现状和不足进行考察和总结。本部分分别从农村信贷担保主体、客体以及担保模式三个方面阐述了促进农村消费信贷视角下我国农村信贷担保法律制度的现状以及不足。第三部分在促进农村消费信贷视角下对国外农村信贷担保机制的实践进行考察，并总结借鉴其先进经验。本部分从农村信贷担保主体、客体以及担保模式三个角度阐述国外促进农村消费信贷视角下农村信贷担保机制的实践状况，并从中总结先进的实践经验及可供借鉴之处。第四部分在前文基础上，结合我国所有制基础以及本土国情，从农村信贷担保主体、客体以及担保模式三个方面，提出了促进农村消费信贷视角下对我国农村信贷担保机制的构建和完善建议，以促进农村消费信贷的长足发展。
[Abstract]:The eighteen report proposed "to solve the problems of agriculture and rural farmers is the priority among priorities of our party's work. The economy of our country has already developed into a new stage, the imbalance of regional development, the gap between city and rural development have big problems need to be solved. Our country is a big agricultural country, rural area contains a huge consumption potential. To improve the rural consumer credit market to meet the demand of consumer credit in rural areas, to explore farmers' consumption potential, it is necessary to the development of rural economy. However, due to China's current rural guarantee system is not perfect, the lack of guarantee body, stenosis and single security model and other reasons the security object scope, common cause farmers" loans "and" loan of financial institutions is difficult ". Seriously hindered the development of rural consumption credit in our country, restrict the rural consumer market development and farmers' consumption of water An improvement in peace.
The United States, Germany, Japan, Bangladesh, Indonesia and other countries have perfect rural security system. For our country to promote the credit guarantee subject of rural consumer credit in rural areas from the perspective of lack, many problems and lack of security object security model is single. The establishment of rural credit guarantee institutions, improve the rural credit guarantee body, expand the rural credit guarantee and the scope of the object the innovation of microfinance, rural credit guarantee mode of legal system, which can effectively solve the security legal problems in rural financial market hinder rural consumer credit development, so as to promote the development of rural consumption credit.
To improve the credit guarantee system in rural areas, will effectively overcome the credit constraint in rural financial market, the expansion of rural consumer market in the supply of credit, to promote the development of rural consumption credit. Therefore, based on the principle of sustainable development of economic law, rule of law principles for guiding, legislative guarantee mechanism research on the development of rural consumption in rural areas abroad from the perspective of consumer credit to promote the practice. And combining with the actual situation in China mainland, through perfecting the credit guarantee body, expand the credit guarantee object scope, improve the supporting legal system and improve the credit guarantee mode to promote the development of rural consumption credit in our country.
In addition to the preface and the conclusion, this article is divided into four main parts.
The first part is to promote the general theory of rural credit guarantee mechanism of rural consumption credit perspective. This part discusses the theoretical basis of promoting the rural credit guarantee mechanism of rural consumption credit from the perspective of transaction cost economics, respectively, from the theory, signal transmission theory and the theory of economic law in the market failure theory, government failure theory and external the theory of perspective in promoting the theoretical foundation of rural credit guarantee mechanism from the perspective of rural consumption credit.
The second part of the implementation of current situation and deficiency of China's rural credit guarantee mechanism in rural consumer credit under the perspective of promoting research and summary. In this part, from the rural credit guarantee body, three aspects of the object and the guarantee mode expounds the current situation of the legal system of rural credit guarantee in our country from the perspective of promoting the rural consumer credit and the insufficiency.
The third part carries on the practice of foreign rural credit guarantee mechanism in rural consumer credit from the perspective of promoting the study, and summarizes the advanced experience. This part from the rural credit guarantee body, three aspects of the object and guarantee mode in foreign countries are introduced to promote the credit guarantee mechanism of rural consumer credit in rural areas from the perspective of practice, and to summarize the advanced practice and experience for reference.
The fourth part on the basis of above mentioned, combined with China's ownership foundation and the local conditions, the rural credit guarantee from the three aspects of subject, object and guarantee mode, put forward suggestions on constructing and perfecting the guarantee mechanism of rural credit in our country from the perspective of promoting the rural consumer credit, in order to promote the rapid development of rural consumption credit.

【学位授予单位】：西南政法大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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