贷款利率浮动区间扩大以来 ,相当多的农村信用社发放的“三农”贷款利率“浮上不浮下”、“一浮到顶” ,引起了农民的不满。一、“一浮到顶”不符合中央一号文件精神 ,不利于农民增收。我国农业生产效益普遍不高 ,一般农村产业收益率为 1 0 %左右 ,而贷款年利率达7 96 % ,加大 Since the expansion of the floating range of loan interest rates, a considerable number of rural credit cooperatives issued the lending rate of “agriculture, rural areas and farmers” to “float up and down,” “floating to the top” and aroused the dissatisfaction of peasants. I. “Floating to the top” does not conform to the spirit of the document No. 1 of the Central Government and is not conducive to increasing farmers’ incomes. China’s agricultural production efficiency is generally not high, the return rate of the general rural industry is about 10%, while the loan interest rate reached 7 96%, increased