为解决涉农客户的贷款难问题,银行和政府及其他有关部门开辟了很多渠道,如,扩大以林权、土地承包经营权等权益类的担保种类,扩大担保公司担保规模和范围等,但仍有相当一部分客户,特别是以种、养业为主的广大农业生产者,由于其提供不了银行认可的担保,所以,贷款难问题仍未得到有效解决。因此,对于这一问题,银行、政府、相关部门应该更新思维、调整思路,以更加务实、科学的精神来分析问 To solve the problem of loan-related difficulties for farmers involved in agriculture, banks and the government and other relevant departments have opened up many channels, for example, expanding the types of security rights and interests such as forest rights and land contractual management rights, and expanding the scope and scope of guarantees for guarantee companies There are still a considerable number of customers, especially the broad masses of agricultural producers mainly engaged in farming and raising their stocks, which have not yet been effectively solved because they can not provide bank-endorsed guarantees. Therefore, for this issue, banks, governments and relevant departments should update their thinking, readjust their thinking and analyze with a more pragmatic and scientific spirit