农商行信贷支农工作难点在思想上有“三怕”。一怕农业风险大。农业投入成本大,产出效益低,市场比较效益更低。特别是一些水产养殖业,鱼虾养在水中,蟹蟮埋在水底,甚至土里,表面上看不见摸不着;再加上农村市场信息不灵,价格波动较大,风险把握不准,亏本现象时有发生。二怕农村市场小。大部分农户在一般情况下没有扩大再生产的能力和要求,真正缺农业生产费用的并不多,需要农业贷款和真正符合贷款条件的农户较少,即使有需要但农业 Agricultural Bank of credit credit support work difficult in thinking there are “three afraid.” A fear of agricultural risk. Agricultural input costs, output efficiency is low, the market is more effective. In particular, some aquaculture, fish and shrimp in the water, crabs buried in the bottom, and even the soil, the seemingly invisible; coupled with the rural market information is not working, the price volatility, risk control is not allowed, the loss Phenomena happen from time to time. Second, afraid of the rural market is small. Most farmers do not normally have the capacity and requirements to expand reproduction. There is really no shortage of agricultural production and there are fewer farmers who need agricultural loans and actually meet the loan conditions, even though there is a need but agriculture