无法提供有效的抵押担保是农民与农村企业贷款难的一个重要原因。近年来,河南、湖北等地探索通过建立信用协会,把个人信用转化为联合信用,突破农村信贷对抵押担保的依赖,有效地缓解了农村融资困难,取得了经济金融双赢的良好成效 Failure to provide an effective mortgage guarantee is an important reason for the difficulty of farmers and rural enterprises in their loans. In recent years, Henan, Hubei and other places have explored the reliance on mortgage guarantees by translating personal credit into joint credit and breaking rural credit through the establishment of credit associations, effectively alleviating rural financing difficulties and achieving good results in economic and financial win-win situations