农村金融部门如何才能有效地发挥银行的经济杠杆作用?山西省河津县农业银行改革信贷体制,积极扶持当地农民发展适销对路的建材产品,收到了很好的经济效益。1983年以来,全县共发放各种贷款5339万元,其中2242万元用于农民发展建材业。河津县自然资源丰富,砖、瓦、灰、沙石是这里的地方建材“拳头”产品。1983年以来,建材成了热门货,农民发展各种建材业的热情也越来越高,但是,有些现行的信贷制度影响或阻碍了建材产品的生产。河津县农行对不合理的信贷体制进行了改革。一是改“春放冬收”为按建材商品的产销周期发放贷款。1983年第四季 How can the rural financial sector effectively leverage the bank’s economic leverage? The credit system of the Agricultural Bank of Hejin County in Shanxi Province has actively supported local farmers to develop marketable building materials and received good economic benefits. Since 1983, the county has issued a total of 53.39 million yuan of loans, of which 22.42 million yuan for farmers to develop building materials industry. Hejin County is rich in natural resources. Bricks, tiles, ash and sandstone are the “fist” products of local building materials here. Since 1983, building materials have become popular, and farmers’ enthusiasm for the development of various building materials industries has also increased. However, some existing credit systems have affected or hindered the production of building materials products. The Agricultural Bank of Hejin County has reformed its unreasonable credit system. The first is to change the “spring release winter harvest” to provide loans according to the production and sales cycle of building materials. Fourth quarter of 1983