浅析农户贷款需求现状及信贷对策.docxVIP

浅析农户贷款需求现状及信贷对策 摘要 作为一种新型的金融方式，农户信贷已经引起了全世界的广泛关注,正在逐渐得到重视和推广。农户信贷自90年代以来在世界各地取得了巨大的发展和举世瞩目的成就。作为一种新型的金融方式，小额信贷机构能够有效地为农村贫困人口提供小额贷款与其他金融产品，解决农村金融的困境。农户信贷响应了服务“三农”的号召，充分发挥“人熟、地熟、情况熟”的优势，深入实施三大工程，创新体制机制，着力打造“惠民银行”，为农民增收、农业增产作出了较大贡献。但囿于种种因素，农民贷款“难、慢、贵”在一定程度上还普遍存在，如何为农民提供更加优质、便捷、高效的信贷服务仍需要我们深入思考。 本文就面临信贷实际问题，农户融资难等问题以及农户面临的现实问题能够得到合理的解决，最后针对以后可能产生的问题作出相应的解决，减少农户贷款难现象的发生。 关键词：农户信贷；信贷方式；信贷问题；解决对策 On the demand for household loansSituation and Countermeasures of Rural Credit Cooperative credit Abstract As a new type of finance, farmers* credit has attracted wide attention of the wholeworld, and it is getting more and more attention and promotion. Microfinance hasachieved great development and remarkable achievements all over the world since the9Os.. As a new type of finance, microfinance institutions can effectively providesmall loans and other financial products to the rural poor, and solve the problems ofrural finance. Rural credit in response to the call service agriculture, countryside andfarmersn, give full play to the advantage of people cooked, mature, the situation isripe, in-depth implementation of three major projects, system and mechanisminnovation, and strive to create Huimin bank”，to increase the income of farmers,agricultural production made greater contribution. But limited by various factors, thefarmers* loan difficult, slow and expensive in a certain extent still exists, how toprovide more high-quality, convenient and efficient credit service for farmers stillneed us to think deeply. As described above, our country loans exist certain, but specific to the empiricalstudy of different countries have come to a different conclusion, even for the samecountry, based on the different study periods, and different research methods to derivethe results would be different. This paper is facing the problem of real credit, farmersfinancing and other issues and farmers face the reality of the problem can be resolvedin a reasonable. Finally, in