个体私营经济作为农村经济的重要组成部分,在社会主义市场经济发展中,有着广阔的发展前景。各级党政部门为鼓励其发展,制定出台了一系列优惠政策。为帮助个体私营经济的发展,从银行、信用社角度来说,也应采取措施,以适应其发展需要。笔者认为银行、信用社应调整如下信贷策略: As an important part of the rural economy, the individual and private economy have broad prospects for development in the socialist market economy. Party and government departments at all levels in order to encourage their development, formulated a series of preferential policies. In order to help the development of individual and private economy, banks and credit cooperatives should also take measures to meet their development needs. I believe that banks, credit cooperatives should adjust the following credit strategy: