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中文摘要：
通过对陕西省洛川县果农资金借贷困境的成困分析,得出信用缺失是其主要原因。为切实解决农民贷款难问题,将农民专业合作组织作为保证人引入到融资担保机制中,使之参与金融机构与农户之间的金融交易,试图通过这种组织模式本身所具有的优势可降低信用风险,缓解农户的融资压力。
英文摘要：
This paper analyses the financial situation and problems of the peasants in Luochuan County of Shaanxi Province,and proves that lack of mortgage and credit guarantee has been main obstacles in the development of rural financial system.In order to resolve the problem and keep away from credit risks,peasant professional cooperative organization should be integrated as a guarantor into the financing guarantee mechanism and participate in the trades between financial institutions and peasants,thus to relieve the financing pressure and reduce risks of peasants through the advantages of this mode.
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