加大政策整合与政策创新。对农户的搬迁安置房,应既允许安置农户通过正当途径对安置房进行转让、抵押,又允许安置房按照商用民用相结合进行规划建设,例如将安置房底层做成商铺形式,便于安置农户从事商业经营或者作为店面出租;涉农信用贷款应进一步放宽农户个人担保抵押限制,设置县级小额信贷 Increase policy integration and policy innovation. For the relocation and resettlement houses of farmers, resettlement houses should not only be allowed to transfer and mortgage the resettlement houses through proper channels, but also allow the resettlement houses to be planned and constructed according to the combination of commercial and civil ones. For example, the bottom of the resettlement houses can be set up as shops to facilitate the resettlement of farmers Commercial operation or as a storefront rental; agriculture-related credit loans should be further relaxed personal farm mortgage restrictions, the establishment of county-level micro-credit