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huai bei shi nong cun jin rong di ya dan bao dai kuan qing kuang de diao cha yu fen xi
Author(s): 
Pages: 48-51
Year: Issue:  2
Journal: Financial Perspective Journal

Keyword:  农村金融 抵押担保贷款 抵押担保局限性 产权改革;
Abstract: 目前,"三农"贷款难问题一直是困扰农村经济发展的重要因素。近年来,农村金融不断拓宽担保抵押物范围,在一定程度上缓解了"三农"贷款难问题,由于涉农金融机构所要求的抵押物不是农民普遍拥有的,而农民普遍拥有的住宅、土地等不能用于贷款抵押担保,农民贷款难问题一直不能得到根本解决。本文通过对淮北市涉农金融机构抵押担保贷款业务开展情况调查,分析农村担保抵押贷款的问题和障碍,以期找出解决农民抵押担保贷款的有效途径。
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