抵押难、担保难、融资难,是涉农企业发展面临的普遍问题。政府牵头成立政策性担保机构能够实现金融资本与涉农经营所需资金的有效对接,为解决涉农企业融资难、融资贵的问题提供了解决的路径。但是,由于再担保、风险补偿机制的缺位,以及在与商业银行合作中处于严重的不平等地位等原因,担保机构面临较大的系统风险。建立涉农担保机构的风险控制和损失补偿机制,是维护担保机构正常发展秩序的有效保证。
<<The common problems for agriculture-related enterprise are mainly in deficient credit with their assets,the fewer assets for mortgage and difficulty in mortgage.The effective docking government Establishment the policy guarantee mechanism can realize combining financial capital with funds of agriculture-related enterprise in order to solve the financing difficulty.But because of the lack of risk compensation,and then guarantee mechanism,and in serious inequality in cooperation with commercial banks and other reasons,Credit guaranty organizations is a risk estate,the credit risk is come from enterprises,guaranty organizations and social guaranty environment. Guaranty organizations should control Risk of Credit Guaranty.
<<Keywords: | Agriculture Guarantee Institutions InvolvingRisk Forewarning IndexCompensatory FundRe-security System |