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经过长期的实践和思考,笔者认为小额农贷发展慢的主要原因有两个:一是农信社“身份”不明;二是传统的小额农贷缺点多,主要体现在四个方面:金额小、笔数多、成本高、风险大。要解决农户“贷款难”的问题,应从两方面入手:1.加大对农信社的扶持力度,并对农信社“支农”贷款工作进行考核。2.转变支农方式,克服传统小额农贷的缺点。农信社应积极发放涉农公司类贷款、种养
After a long period of practice and thinking, I believe there are two main reasons for the slow development of small-sum agricultural loans: one is the “identity” of the rural credit cooperatives; the other is the shortcomings of traditional small-sum rural loans, which are mainly reflected in four Aspects: the amount of small, more than a pen, high cost, high risk. To solve the problem of “difficult loans” for farmers, we should start from two aspects: 1. We should increase support for RCCs and conduct an assessment of RCCs’ loans for “supporting agriculture.” 2. To change the mode of supporting agriculture to overcome the shortcomings of traditional small-scale rural loans. Rural credit cooperatives should be actively involved in agriculture-related corporate loans, planting and breeding