發(fā)布時(shí)間：2018-02-15 12:42

  本文關(guān)鍵詞： 農(nóng)村消費(fèi)信貸 信貸擔(dān)保 擔(dān)保機(jī)構(gòu) 抵押物 擔(dān)保方式制定完善　出處：《西南政法大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：十八大報(bào)告文中提出“解決好農(nóng)業(yè)農(nóng)村農(nóng)民問題是全黨工作的重中之重”。當(dāng)前我國經(jīng)濟(jì)已經(jīng)發(fā)展到一個(gè)新的階段，地區(qū)發(fā)展不平衡，城市和農(nóng)村發(fā)展差距過大問題急需解決。我國作為一個(gè)農(nóng)業(yè)大國，，廣大農(nóng)村地區(qū)蘊(yùn)含著巨大的消費(fèi)潛力。完善農(nóng)村消費(fèi)信貸市場，滿足農(nóng)村消費(fèi)信貸需求，發(fā)掘農(nóng)民消費(fèi)潛力，是發(fā)展農(nóng)村經(jīng)濟(jì)的必要舉措。然而由于我國現(xiàn)行農(nóng)村擔(dān)保制度的不完善，擔(dān)保主體的缺乏、擔(dān)�？腕w范圍的狹窄以及擔(dān)保模式單一等原因，導(dǎo)致農(nóng)民“貸款難”和金融機(jī)構(gòu)“放款難”的現(xiàn)象普遍存在。嚴(yán)重阻礙了我國農(nóng)村消費(fèi)信貸的發(fā)展，制約了農(nóng)村消費(fèi)市場的發(fā)展和農(nóng)民消費(fèi)水平的提高。 美國、德國、日本、孟加拉國、印度尼西亞等國家擁有完善的農(nóng)村擔(dān)保法律制度。針對我國促進(jìn)農(nóng)村消費(fèi)信貸視角下農(nóng)村信貸擔(dān)保主體缺乏、擔(dān)�？腕w缺少以及擔(dān)保模式單一等諸多問題。建立農(nóng)村信貸擔(dān)保機(jī)構(gòu)，完善農(nóng)村信貸擔(dān)保主體，擴(kuò)大農(nóng)村信貸擔(dān)�？腕w范圍以及實(shí)行小額信貸，創(chuàng)新農(nóng)村信貸擔(dān)保模式等法律制度，可有效解決農(nóng)村金融市場上阻礙農(nóng)村消費(fèi)信貸發(fā)展的擔(dān)保法律問題，從而有力的促進(jìn)了農(nóng)村消費(fèi)信貸的發(fā)展。 農(nóng)村信貸擔(dān)保制度的完善，將會有效克服農(nóng)村金融市場上的信貸約束，擴(kuò)大農(nóng)村消費(fèi)市場的信貸供給，促進(jìn)農(nóng)村消費(fèi)信貸的發(fā)展。因此，本文以經(jīng)濟(jì)法中可持續(xù)發(fā)展原則、法治化原則等原則為指導(dǎo)，在促進(jìn)農(nóng)村消費(fèi)信貸視角下研究國外發(fā)展農(nóng)村消費(fèi)消費(fèi)的擔(dān)保機(jī)制立法和實(shí)踐。結(jié)合我國本土實(shí)際情況，通過健全信貸擔(dān)保主體，擴(kuò)大信貸擔(dān)保客體范圍，完善配套法律制度以及完善信貸擔(dān)保模式以促進(jìn)我國農(nóng)村消費(fèi)信貸的發(fā)展。 本文除前言和結(jié)語之外主要分為四大部分： 第一部分為促進(jìn)農(nóng)村消費(fèi)信貸視角下農(nóng)村信貸擔(dān)保機(jī)制的一般理論。本部分闡述了促進(jìn)農(nóng)村消費(fèi)信貸視角下農(nóng)村信貸擔(dān)保機(jī)制的理論基礎(chǔ)，分別從經(jīng)濟(jì)學(xué)理論中的交易成本理論、信號傳遞理論等以及經(jīng)濟(jì)法學(xué)理論中的市場失靈理論、政府失靈理論以及外部性理論的視角闡述在促進(jìn)農(nóng)村消費(fèi)信貸視角下農(nóng)村信貸擔(dān)保機(jī)制的理論基礎(chǔ)。 第二部分在促進(jìn)農(nóng)村消費(fèi)信貸視角下對我國農(nóng)村信貸擔(dān)保機(jī)制的實(shí)施現(xiàn)狀和不足進(jìn)行考察和總結(jié)。本部分分別從農(nóng)村信貸擔(dān)保主體、客體以及擔(dān)保模式三個(gè)方面闡述了促進(jìn)農(nóng)村消費(fèi)信貸視角下我國農(nóng)村信貸擔(dān)保法律制度的現(xiàn)狀以及不足。 第三部分在促進(jìn)農(nóng)村消費(fèi)信貸視角下對國外農(nóng)村信貸擔(dān)保機(jī)制的實(shí)踐進(jìn)行考察，并總結(jié)借鑒其先進(jìn)經(jīng)驗(yàn)。本部分從農(nóng)村信貸擔(dān)保主體、客體以及擔(dān)保模式三個(gè)角度闡述國外促進(jìn)農(nóng)村消費(fèi)信貸視角下農(nóng)村信貸擔(dān)保機(jī)制的實(shí)踐狀況，并從中總結(jié)先進(jìn)的實(shí)踐經(jīng)驗(yàn)及可供借鑒之處。 第四部分在前文基礎(chǔ)上，結(jié)合我國所有制基礎(chǔ)以及本土國情，從農(nóng)村信貸擔(dān)保主體、客體以及擔(dān)保模式三個(gè)方面，提出了促進(jìn)農(nóng)村消費(fèi)信貸視角下對我國農(nóng)村信貸擔(dān)保機(jī)制的構(gòu)建和完善建議，以促進(jìn)農(nóng)村消費(fèi)信貸的長足發(fā)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.

【學(xué)位授予單位】：西南政法大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4

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