农村小额贷款自发放以来,一直普遍存在着担保抵押难的困境,这种困境制约着农村经济的发展。本文以福建农村小额贷款的发展现状为例,对农村小额贷款担保抵押难的成因进行了初步探讨,并结合“三农”问题的自身特质,提出了若干对策和路径选择。 Since the release of rural micro-loans, the plight of guarantee mortgage has been prevailing all the time, which has restricted the development of rural economy. This paper takes the status quo of microfinance in rural areas of Fujian as an example to discuss the reasons for the difficulty of collateralization of rural microfinance loans. In the light of its own characteristics, the paper proposes some countermeasures and path choices.