抗战期间,陕甘宁边区政府为了发展农业经济,制定政策,发放农业贷款。边区农贷的特征是:1.贫困的勤于农业生产的农民是边区农贷发放的主要对象,体现了农贷支持贫困农民发展农业生产的原则;2. 政府发放农贷与农民自筹资金相结合;3. 采取了以实物放贷和实物收贷的方法。边区发放农贷推动了农业生产和农村经济的发展;改变了边区农村的阶级结构,提高了人民的生活水平;农贷把边区金融事业同农村经济结合起来,推动了金融、贸易事业的发展 During the war of resistance against Japan, the Shaanxi-Gansu-Ningxia Border Region Government formulated a policy to issue agricultural loans in order to develop the agricultural economy. The characteristics of the rural bank loans are as follows: 1. Poverty-stricken peasants in agriculture are the main recipients of agricultural loans in the border areas, reflecting the principle that rural credit supports the development of agricultural production by poor peasants. 2. The government grants agricultural loans and peasants self-financing 3. Combined with the method of lending in kind and in kind. The agricultural loans granted by the border areas promoted the agricultural production and the development of the rural economy, changed the class structure of the rural areas in the border areas and raised the people’s standard of living. The rural credit loans combined the financial activities in the border areas with the rural economy and promoted the development of the financial and trade undertakings