农民贷款难、农业贷款难,如何破解?党的十八届三中全会提出,允许农民专业合作社开展信用合作。目前,全国有2 000多家合作社开展了信用合作,这些有益尝试取得了良好效果,但同时也出现了假借合作社名义、涉嫌非法集资等不良现象。为了弥补相关法律的缺位,规范农民专业合作社开展信用合作的行为。在最新 Farmers loans difficult, agricultural loans difficult, how to crack? Party’s Third Plenary Session of the 18th proposed to allow farmers’ specialized cooperatives to carry out credit cooperation. At present, more than 2,000 cooperatives across the country have launched credit cooperation. These beneficial attempts have yielded good results. However, there have also been unfortunate phenomena such as false accusations of illegal fund-raising and the like under the guise of cooperatives. In order to make up for the absence of relevant laws, standardize farmer cooperatives to carry out credit cooperation. In the latest