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拉面经济作为化隆县劳务经济的主要组成部分,为当地农民创业增收提供了有效途径。但同时由于人员分布广,加大了贷款跟踪难度,加剧了金融机构的贷款风险,急需建立“拉面经济”贷款担保新模式。本文通过调查近年来化隆县拉面经济发展状况,剖析现有“拉面经济”贷款担保模式存在的问题及成因,进而提出“拉面经济”贷款担保新模式,并进行可行性论证。
Ramen economy, as the main component of Hualong County’s labor economy, provides an effective way for local peasants to start their own businesses. However, at the same time, due to the wide distribution of personnel, it has made it more difficult to track the loans and aggravate the loan risks of financial institutions. Therefore, it is imperative to establish a new mode of loan guarantee for Ramen economy. By investigating the economic development of Ramen in Hualong County in recent years, this paper analyzes the existing problems and causes of loan guarantee mode of “Ramen Economy” and puts forward a new model of loan guarantee for “Ramen Economy” and carries out feasibility proof.