金穗惠农卡是在国务院确立中国农业银行“服务三农”的改革目标后,农业银行回归农村信贷市场推出的第一款针对农户的产品,受到了广大农户的欢迎。惠农卡的推出,结束了农村信贷市场中农信社独家经营的垄断局面,不仅增加了农户信贷市场资金的供给,有利于降低农户借贷的利率水平,而且对农信社的改革和发展注入了外力,必将推动农村地区整体金融服务水平的发展。然而,惠农卡的推广一定程度上会影响农村合作金融机构赖以生存和发展的基础,同时其产品设计和具体操作上也存在一些潜在风险,值得关注。 After the State Council established the reform goal of “Agricultural Bank of China and Agriculture, Rural Areas and Peasants” established by the State Council, the first farm-oriented product launched by the Agricultural Bank of China in the rural credit market was welcomed by the majority of farmers. The introduction of Huinong Card has ended the exclusive monopoly of RCCs in the rural credit market, which not only increased the supply of funds for farmers in the credit market but also helped to reduce the interest rate of farmers’ borrowing and lending, but also infused the reform and development of RCCs External forces will surely promote the development of overall financial services in rural areas. However, the promotion of Huinongka will, to a certain extent, affect the basis for the existence and development of rural cooperative financial institutions. At the same time, there are some potential risks in product design and operation, which are worth attention.