急人所急,突破瓶颈很久以来,由于商业银行逐步淡出等原因,县域经济、新农村建设、中小企业贷款融资几乎“难于上青天”。海南70%是农民,近37%的GDP来自农业,“新农村建设”工作一直是重中之重。但由于风险过大等原因,一般金融机构不愿涉足这一领地。“三农”、中小企业的贷款与融资已成为制约海南经济全面、协调、可持续发展的瓶颈因素,农户和 Acute urgency, breaking the bottleneck For a long time, due to the gradual decline of commercial banks and other reasons, county economy, new rural construction, financing for SME loans is almost “difficult to go sky.” About 70% of Hainan are farmers and nearly 37% of GDP comes from agriculture. The work of “building a new countryside” has always been the top priority. However, due to excessive risk and other reasons, the general financial institutions do not want to get involved in this territory. “Agriculture, Rural Areas and Farmers”, loans and financing for SMEs have become the bottleneck factor restricting Hainan’s economy from comprehensive, coordinated and sustainable development. Farmers and