“九十年代经济出问题,很可能就在农业上。”目前农业问题再次引起了党和国家的重视。在市场经济下,作为直接为农业服务的信用社如何促进农业健康稳定发展呢?笔者认为: 一、针对粮食生产的效益下降、农民增产不增收的突出问题,信用社应继续把支农的重点放在发展高产优质高效农业上来 据有关资料获悉,1989年的全国粮食总产创历史最高水平,比上年增长3.4％,但农民人均纯收入扣除价格因素,却比上年减少1.6％,这是改革以来农民收入第一次出现负增长。1989—1991年三年间农民人均收入的年增长率仅为 “Economic problems in the 1990s may well be in agriculture.” At present, the agricultural issue has once again drawn the attention of the party and the country. Under the market economy, how to promote the healthy and steady development of agriculture as a credit cooperative directly serving agriculture? The author thinks: First, in view of the prominent problems of the benefit of grain production and the increase of peasants’ income, the credit cooperatives should continue to focus on supporting agriculture According to relevant information, it is learned that in 1989 the total grain output in the country hit the highest level in history, an increase of 3.4% over the previous year. However, the net per capita income of farmers, excluding price factors, decreased by 1.6% over the previous year, It is the first time that peasants’ income has negatively increased since the reform. The annual growth rate of per capita income of peasants in the three years from 1989 to 1991 was only