最近，我们在农村调查研究时发现，盐城市农村信用社正在试行贷款发放“一卡通”、“一证通”等形式，农民只要凭一张由信用社年初发放的“信用证”，就可以随时到信用社拿到一定数额的贷款，不再需要履行繁杂的审批手续。目前，盐城市拥有类似信用证的农户４０多万户，已有３ Recently, we found in the rural investigation that Yancheng Rural Credit Cooperatives are trying out loan-issuing “one-card” and “one-card-pass” forms. Peasants can make loans anytime by means of a “letter of credit” issued by the credit cooperatives at the beginning of the year To a credit union to get a certain amount of loans, no longer need to perform complicated approval procedures. At present, there are more than 400,000 rural households with similar letters of credit in Yancheng City, up from 3