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湖北是中国农民银行最早举办农贷的省份之一。随着农贷业务的发展,中国农民银行在湖北逐渐形成一个包括分支结构、合作社、农讯处、农民借贷所、合作金库、农业仓库在内的现代农业金融体系和包括农贷对象、利率、期限、类型等在内的具有现代农业金融特征的农贷运作机制。作为农贷利益主体的政府、银行与农户之间的博弈与选择,既积极促进了资金注入农村但又存在有限的缺陷;既发展了现代农业金融但又无力打破传统民间借贷的主导地位;既促进了农业生产的发展但又因经常被挪作他用而严重制约了农贷绩效的充分发挥。
Hubei is one of the earliest provinces to hold agricultural loans in China. With the development of rural credit business, Peasant Bank of China gradually formed a modern agricultural financial system in Hubei including branch structure, cooperatives, agricultural information office, farmer’s loan office, cooperative treasury and agricultural warehouse, Term, type, etc., with the characteristics of modern agricultural finance loans operation mechanism. The game and choice between the banks and the peasants, as the mainstay of the interests of rural credit, not only actively promote the inflow of funds into rural areas but also have limited defects. They not only develop modern agricultural finance but are unable to break the dominant position of traditional private lending. Promoted the development of agricultural production but seriously restricted the performance of agricultural loans due to their frequent use.