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近年来,国家把“三农”问题作为头等大事来抓,实行了一系列减免、补贴等惠农政策,加大对“三农”的扶持力度。但是由于惠农政策的资金有限,“三农”发展的障碍性问题依然是资金不足问题,可以说,信贷资金的充足与否是支持“三农”发展的关键。同时,县域中小企业融资渠道窄、贷款难的问题仍然普遍存在。农村信用社既是服务“三农”的主力军,也是县域中小企业及个体工商户的主要贷款提供者,在支持地方经济发展中责无旁贷有着举足轻重的地位。但据对山西晋城市农村信用社的调查,2008年的贷款增量呈现萎缩趋势,对地方支农力度有弱化的趋向。
In recent years, the state has taken the issue of agriculture, rural areas and farmers as a top priority and implemented a series of preferential agricultural policies like relief and subsidies to increase the support for agriculture, rural areas and farmers. However, due to the limited funds available for benefiting agriculture policies, the impediment to the development of agriculture, rural areas and farmers remains the problem of insufficient funds. It can be said that the adequacy of credit funds is the key to supporting the development of agriculture, rural areas and farmers. At the same time, SME financing channels in the county is narrow, the problem of difficult loans is still widespread. Rural credit cooperatives are not only the main force serving the “three rural” issues, but also the major loan providers for SMEs and individual industrial and commercial households in the county. They play an important role in supporting the development of local economy. However, according to a survey of rural credit cooperatives in Jincheng City of Shanxi Province, loan growth in 2008 showed a downward trend and tended to weaken the local supportive agriculture.