种粮大户随现代农业示范园区的兴起,已成为各地发展粮食生产的主力军。因此,农发行如何发挥政策性金融的导向作用,为种粮大户提供配套服务,已显得十分重要。本文结合诸暨市的实际情况,谈以下浅见:一、目前种粮大户遇到的困难和问题1、资金周转难。诸暨市作为浙东农业大县,其种粮大户承担了全市81.2%的国家粮食定购任务,因此,种粮大户在经营中资金投入普遍较大。目前,多数种粮大户的上期借款尚未还清,新一年生产资金亟待投入,资金显得更为紧缺。2、粮食销售难。种粮大户普通耽优粮食丰收之后出现卖粮难的问题。据调查,诸暨市种粮大户现尚有库存粮食约500万公斤。3、晒场仓储不配套。粮田大多数集中在种粮大户手中,晒场仓储等硬件设施一时无法配套,稻谷不能及时晒干,加大了 With the rise of modern agricultural demonstration zones, big grain growers have become the main force for the development of grain production in various places. Therefore, it has become very important for the Agricultural Development Bank to give full play to the guiding role of policy-oriented finance and provide supporting services for big grain growers. This article combined with the actual situation in Zhuji City, talked about the following humble: First, the current difficulties and problems facing large grain owners 1, cash flow difficult. Zhuji City, as a major agricultural county in eastern Zhejiang, undertakes 81.2% of the nation’s grain purchasing tasks in the city with its large grain-growing households. Therefore, large-scale grain producers have generally invested large amounts of funds in their operations. At present, most of the big grain growers have not paid off their loans in the previous period, and the new year’s production funds need to be put into operation urgently, making the capital even more scarce. 2, food sales difficult. The big grain growers generally delay the grain harvest after the difficulty of selling grain. According to the survey, major grain growers in Zhuji still have about 5 million kilograms of grain stock. 3, drying yard storage is not complete. The majority of grain fields are concentrated in the hands of large grain growers. The hardware facilities such as drying warehouses and warehouses can not be matched at one time, and the rice can not be dried in time,