家庭联产承包责任制决定了我国农村的基本生产单位是农户,农村经济的发展在很大程度上取决于农户经济的发展。目前,资金短缺是制约农户经济发展的一个主要矛盾。要促进农户经济进而带动整个农村经济的发展,就必须向农户提供积极的信贷支持。为此,一要克服惧贷、恐贷心理。近几 The household contract responsibility system determines that the basic unit of production in rural China is a farmer. The development of the rural economy depends to a large extent on the economic development of the farmer. At present, the shortage of funds is a major contradiction that restricts the economic development of farmers. In order to promote the peasants’ economy and further promote the development of the entire rural economy, it is necessary to provide farmers with positive credit support. To this end, we must overcome the fear of credit, fear of lending psychology. Recent