近年来,农村信用社认真的贯彻了国家的农村金融方针和政策,加强了对农村信贷的管理,一定程度上规范了农村的信贷,为农村信贷风险的防范起了一定的作用,在支持城乡经济发展中也取得了一定的成效。但是,由于种种原因,目前,农村信用社的信贷管理仍然存在很多的问题,主要是无效担保和无能力担保,这样,直接导致了不良贷款的增加和信用社经济效益的下降,因此,我们应该高度重视这个问题。本文从分析加强对农村信贷担保管理的必要性出发,提出农村信贷担保存在的一系列问题,最后提出解决农村信贷担保存在问题的一些对策,解释加强农村信贷担保的改革的重要性。 In recent years, RCCs have conscientiously implemented the rural financial policies and policies of the country, strengthened the management of rural credit, regulated the credit of rural areas to a certain extent, played a certain role in the prevention of rural credit risk, Some achievements have also been made in economic development. However, due to various reasons, there are still many problems in credit management of rural credit cooperatives at present, mainly due to ineffective guarantee and incompetence guarantee, which directly leads to the increase of non-performing loans and the decrease of economic benefits of credit cooperatives. Therefore, we should Attach great importance to this issue. Based on the analysis of the necessity of strengthening the management of credit guarantee in rural areas, this paper puts forward a series of problems existing in rural credit guarantee. Finally, it puts forward some countermeasures to solve the existing problems in rural credit guarantee and explains the importance of strengthening the reform of rural credit guarantee.