最近，我们在农村调查研究时发现，江苏盐城市农村信用社一改过去抵押担保贷款为信用贷款的做法，推行“一卡通、一证通”等贷款发放形式，极大地方便了农户对农业生产的投入，促进了基层信用社存贷业务的迅速发展，对实现农业增效、农民增收和农村稳定，起到了积极的推动作用 Recently, we found in the rural survey that the reform of rural credit cooperatives in Yancheng, Jiangsu Province, changed the practice of mortgage-backed loans as credit loans in the past and promoted the issuance of loans such as “One-Card, One-Card” and other loans, which greatly facilitated farmers’ Input and promoted the rapid development of deposit and loan business of grassroots credit cooperatives and played a positive role in promoting agricultural efficiency, farmers’ income and rural stability