At present, credit loans and secured loans account for the vast majority of rural credit, especially micro-credit loans and joint guarantee loans, which further increase the proportion of credit and secured loans. Although mortgage and pledge loans have higher risk prevention ability than credit and guarantee loans, they are used less frequently because of the low credit line, short term and few types of collateral in rural areas.

(B) the lack of credit guarantee

At present, farmers' property mainly includes land use right, homestead use right, houses, productive fixed assets and durable consumer goods. However, these properties have some defects in the elements of collateral, which leads farmers to be unable to obtain credit support from financial institutions because of the lack of collateral.

(C) part of the agricultural sector "lack of integrity."

In recent years, a considerable number of supply and marketing, grain and township enterprises have been transformed and restructured, and they have defaulted, evaded or evaded in disguise. The debts of banks and rural credit cooperatives are pending, and poverty alleviation loans have been misappropriated and "loans are used as relief", resulting in a large number of bad debts of banks. Poor performance system seriously affects the security of credit funds, and also limits the credit input of bank credit departments to some rural areas and enterprises. At the same time, at present, there is no enterprise and individual credit information system covering the whole society in rural areas, and it is difficult for the bank credit department to make a reasonable assessment of the loan risk through the borrower's credit, which makes rural financial institutions have to be cautious in providing loan services, and sufficient guarantees and mortgages are needed to issue large loans.