目前,农民贷款难是制约我国农村经济增长和农民收入提高的重要因素,而抵押担保问题是影响农民从正规金融机构获得贷款的关键因素。本文认为,通过建立政策性农村信用担保机构、成立龙头企业担保公司、以合作经济组织作为金融联结中介以及建立政策性农业保险体系四种模式来构建农村担保体系可以有效化解农民贷款难问题。 At present, peasants’ loan difficulty is an important factor restricting the growth of rural economy and peasants’ income in our country. The issue of mortgage guarantee is a key factor that affects the peasants’ obtaining loans from the formal financial institutions. This paper argues that building a rural guarantee system through the establishment of a policy-based rural credit guarantee institution, the establishment of a leading corporate guarantee company, the establishment of a cooperative economic organization as a financial intermediary and the establishment of a policy-based agricultural insurance system can effectively solve the problem of peasants’ loan difficulties.