近年来,随着农村经济的加快发展和农村金融改革的进一步深化,农村信贷需求不仅在总量上迅速扩张,而且在结构上日益呈现多元化趋势。各涉农金融机构积极创新农村信贷产品和服务方式,在满足传统农村信贷需求、促进农村产业结构调整和农村经济发展方面取得了一定成效。但据我们对城步县各涉农金融机构及部分乡镇的调查,当前农村地区投放的金融产品和服务方式总体上还处于低层次、低水平阶段,与现代农村经济发展所需的广覆盖、多元化信贷需求不相适应。如何根据农村经济发展的需要,进一步推进农村信贷产品和服务方式创新,已成为新形势下深化农村金融改革、加强和改进农村金融服务、加快社会主义新农村建设步伐的重要内容与现实路径。 In recent years, with the accelerated development of the rural economy and further deepening of the rural financial reform, the demand for credit in rural areas has not only rapidly expanded in terms of total volume, but also has been increasingly diversified in structure. All agricultural-related financial institutions have been actively innovating rural credit products and services and have achieved some success in meeting the needs of traditional rural credit, promoting the adjustment of rural industrial structure and rural economic development. However, according to our investigation of various financial-affluent financial institutions and some towns and villages in Chengbu County, the financial products and services currently being put into operation in rural areas are still in a low-level and low-level stage as a whole and are required to have a broad coverage of economic development in modern rural areas. Diversified credit needs do not fit. How to further promote the innovation of rural credit products and service modes according to the needs of rural economic development has become an important and realistic path for deepening rural financial reform, strengthening and improving rural financial services and accelerating the pace of building a new socialist countryside under the new situation.