农民凭信用向农村信用社贷款有了新规定。中国人民银行日前下发的《农村信用合作社农户联保贷款管理指导意见》，就是为简化农民贷款手续，方便农民贷款而采取的新举措。 《意见》指出，没有直系亲属关系的农户在自愿基础上组成联保小组，信用社对联保小组成员提供的贷款称为农 Peasants rely on credit loans to rural credit cooperatives has a new requirement. Recently issued by the People’s Bank of China, “Rural Credit Cooperatives peasant households co-guaranteed loans management guidance”, is to simplify the peasants loan procedures, to facilitate farmers to take new measures. According to the Opinion, farmers without immediate family ties form a group based on a voluntary basis. Loans provided by credit cooperatives to members of the UNPROFOR team are referred to as farmers