Farmers’credit guarantees lack effective collateral,guarantee mode and disposal method. The current policy has clarified that land management rights can be mortgaged and its boundaries as a value right and unproduced crops are more explicit.The two can be separately guaranteed,but in the case of coopetition，the principle of establishing precedence should be followed.If it is established at the same time, the farmer should harvest the crops and then deal with the land management rights.In the guarantee mode, third party guarantees should be introduced to correct the transaction risks between farmers and financial institutions. The third party should grasp the information of the farmers,and should be limited to the business entity that conducts agricultural transactions with the farmers or the guarantee institution that specializes in the guarantee business of the farmers.In terms of disposal methods,fully absorb local expe rience and adopt collective economic organizations or property rights mortgage financing institutions for repurchase and compulsory management.