Abstract:

Abstract:In the rural credit market a lot of farmers and rural small and medium-sized enterprises without credit guarantee condition of rural financial institution are not granted loan due to low rural marketization, high-risk and low-income and shortage of loan collateral. In order to alleviate the distress of difficulties of rural loan, many transitional economic countries in Central and Eastern Europe set up the credit guarantee system which serves for famers and rural economic development. Currently, China is active to build rural credit guarantee system. This study analyses in detail the operating model of rural credit guarantee fund and schemes of four countries in Central and Eastern Europe, and summarizes the methods and experiences from which China would learn.