乡镇政府的农村合作基金会吸纳农民的闲散资金,再对农民及一些乡镇企业进行放贷,曾一度对农村经济的发展起到了一定的促进作用。但由于种种原因,大部分贷款收不回,造成了农民股金的兑付危机,从而引发了不少社会问题,成为困扰乡镇乃至县、市、省等上级政府的一大棘手难题。为此, The township government’s rural cooperative foundation, which absorbed idle resources from peasants and then lent peasants and some township enterprises, had once played a catalytic role in the development of rural economy. However, due to various reasons, the majority of loans have not been repaid, resulting in the crisis of payment of peasants’ stock funds. As a result, many social problems have been caused and become a major difficult task that plagues the townships and even the higher-level governments in counties, cities and provinces. to this end,