Research on system innovation of Chinese rural credit guarantee mechanism

In the past few years, the problem of “financing difficulty” and “hard loan” has always been troubling vast rural area in China. There are many reasons that cause the problem. But in the final analysis, the reason lies in the imperfection of rural credit guarantee mechanism. Meantime, rural credit guarantee mechanism is one important part of rural financial ecological environment. And it is closely connected with other parts of rural financial ecological environment. So perfection to rural credit guarantee mechanism will be significant to rural economic and social development. Only by analyzing the problems existing in Chinese rural credit guarantee mechanism, drawing lessons from foreign experience and carrying on system innovation, can we perfect our country´s rural credit guarantee mechanism.