“阳光信贷”是衢江农村信用联社于2011年5月开始试点的一种全新的贷款模式。该模式将农户的贷款调查、授信、定价、操作流程和公开承诺服务等全过程置于广大农户和社会的有效监督下,让农户了解信用社的办贷流程和自身的授信额度,在原有信用评定的基础上,借助农户间相互了解的资源使信用社掌握农户更真实的经营情况和信誉状况,结合保证、抵押,推出综合 “Sunshine Credit ” is a brand new loan mode that Qujiang Rural Credit Union started piloting in May 2011. Under this model, the whole process of loan investigation, credit granting, pricing, operation procedure and public commitment service of farmers is placed under the effective supervision of farmers and the society so that farmers can understand the credit lending process of credit cooperatives and their credit limits. In the original credit Based on the assessment, with the help of mutual understanding of resources among farmers, the credit cooperatives can grasp the actual business conditions and credit status of the farmers, and combine the guarantee, mortgage and introduction of the comprehensive