近年来,伴随着农村经济的快速发展,农民的投资热情空前高涨,投资方向涵盖种、养、加工及城乡一体化建设。由此也催生了一些规模经营大户,给农村金融注入了新的活力,使农村信贷需求更加旺盛。为此,农信社也随之出台了机具、房产、土地承包经营权和仓单抵押及担保等灵活的信贷新品种,这对 In recent years, with the rapid development of rural economy, farmers’ enthusiasm for investment has been on an unprecedented rise. The investment direction covers the construction, raising, processing and integration of urban and rural areas. As a result, some large-scale operators have been spawned, injecting new vitality into rural finance and making rural credit demand even more robust. To this end, the rural credit cooperatives also followed the introduction of machinery and equipment, real estate, land contractual management rights and warehouse receipts and other flexible credit guarantee new varieties, which