目前,农村贷款难、成本高、手续繁等问题仍未根本解决,金融支持现代农业发展和新农村建设仍然是薄弱环节。而农村信贷有效担保的缺乏显然是导致这个问题的重要原因之一,因此,农村信贷担保创新是金融支农的一项重要内容。担保在金融支农中的作用“在信贷市场上,普遍存在借款人不能偿还贷款的担心,因此,信贷担保成为解决这种担心的制度安排与合约选择,其内在的逻辑是基于对借款人信息收集不充分、对借款人可能存在的道 At present, the problems of difficult loans, high costs and complicated procedures in rural areas have yet to be fundamentally solved. The financial support for the development of modern agriculture and the building of new rural areas are still the weakest link. However, the lack of effective credit guarantee in rural areas is obviously one of the important causes of this problem. Therefore, rural credit guarantee innovation is an important part of financial support for agriculture. The Role of Guarantee in Financial Support ”In the credit market, there is a general concern that borrowers can not repay their loans. Therefore, credit guarantee has become the institutional arrangement and contract choice for solving such concerns. The inherent logic is based on the principle that borrower Insufficient information is collected and may exist to borrowers