近年来 ,中部地区一些农村信用社信贷业务出现萎缩 ,陷入了“乡镇企业贷款收不回 ,农户贷款放不出 ,民营企业贷款不能放”的尴尬境地 ,增量存贷比严重偏低 ,生存发展能力受到严重的挑战。我们对中部地区一个县级市的农村信用社进行了调查 ,从农村经济结构变化引起农村资金潜在 In recent years, the credit business of some rural credit cooperatives in the central region has shrunk, falling into the embarrassing situation of “township enterprises can not lend back their loans, and peasant household loans can not be released, and private enterprise loans can not be released”. The incremental loan-to-deposit ratio is seriously low and survives Development capacity is severely challenged. We conducted a survey of rural credit cooperatives in a county-level city in central China, and raised the potential of rural funds from changes in rural economic structure