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高邮市司徒镇邓家村集体负债达126多万元,“穷名”在外,农民个人申请贷款难度大,手续繁,借高利贷的现象比较严重,资金缺乏成了制约邓家村结构调整、经济发展和农民致富的“瓶颈”。如何解决这一难题?近来,他们探索出了一种“联户担保”的办法,对于拓宽农民借贷渠道起了十分有益的作用。调查摸底,宣讲政策首先信用社对该村各户的人口、劳动力、种植养殖面积、家庭经济收入、信用状况等基本情况进行全面调查,建立农户的经济档案,同时,向农民宣讲联保贷款的含义、形式以联保后的享有的权利和应承担的义务。向农民讲清,
The debt of the village of Dengjia in Gaoyou City amounted to more than RMB1.6 million, with the exception of the “poor name”. Individuals applying for loans by individual farmers were more difficult and complicated in procedure. The phenomenon of loan-sharking was more serious, and the lack of funds became a constraint on the structural adjustment of Deng Village. Development and farmers get rich “bottleneck ”. How to solve this problem? Recently, they have explored a “joint guarantee” approach that has played a very useful role in broadening the channels for peasants’ lending. Investigate thoroughly, preach policy First, the credit cooperatives to all households in the village of population, labor, planting and breeding area, family economic income, credit conditions and other basic conditions to conduct a comprehensive investigation, the establishment of economic files of farmers, at the same time, to preach the UNPROFOR loan Meaning, form, after the UNPROFOR enjoy the rights and obligations. To clarify to farmers,