导　　师： 周显志

学科专业： 0301

授予学位： 硕士

作　　者： ;

机构地区： 暨南大学

摘　　要： 在支农信贷业务中，经常出现借款人未按合同约定的期限足额还本付息，担保人未能依约履行代为清偿等违约情形，导致金融机构支农信贷风险凸显，支农信贷合同纠纷增多。出现上述违约情形的主要原因在于银行信贷合同风险管理薄弱、农村合格抵押品匮乏、农户信息不对称等，加之我国《合同法》违约制度的适用范围狭窄，金融债权相关法律规定不足等问题。为有效防范支农信贷合同违约风险，应从立法、执法、司法、守法等四方面入手，以合同管理为核心，事前防范与事中控制为主，事后补救为辅，多层面全方位采取预防对策，切实保障金融机构的债权权益和农民的合法权益，最终实现农村经济持续发展和金融机构稳健经营的“双赢”。 In the financial institutions for credit business, it often appears that the borrower fails torepay in full the period stipulated in the contract or fails to implement the contract to repayprincipal and interest, and then the guarantor would fulfill liabilities or transfer the property inadvance, for resulting in the credit risk of financial institutions, and the credit contract disputes.Those default cases mainly lie in the weak contract risk management of financial institutions,and that rural households lack of eligible collateral, asymmetric information, scope of China's"contract law" breach of contract provisions narrowing, financial debt related legal deficiencies.For effectively preventing agriculture credit contract default risk, we should use the legislative,the law enforcement, justice, law-abiding four aspects etc, take the contract management as thecore, mainly to rely on the prevention and process control, with the remedial supplement, takethe comprehensive preventive counter measures of multilayer surface, guarantee the financialinstitutions of the creditor's rights and legitimate interests of farmers, and ultimately theyachieve a win-win sustainable development and financial institutions operate better.

关 键 词： 支农信贷 合同违约 合同管理 预防对策

分 类 号： [D923.6]

领　　域： [政治法律] [政治法律]