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根据农业的自身特点,规避贷款周期长和经营成本高的问题,开发适合农业自身发展的贷款模式,成为农业信贷的首要问题。当前农村金融发展十分落后,严重阻碍着我国农业的发展,在农业银行对农村信贷服务缺位的条件下,中国农业企业遇到的问题,也是国际发展中国家遇到的普遍问题,对于发展中国家而言,农业长期处于小农经营的散落状态,当中下游公司性的集约化生产与市场的规模化需求接轨时,食品问题、产业结构问题便显现出来,成为制约农企发展的重要因素。
According to its own characteristics of agriculture, to circumvent the problem of long loan cycle and high operating costs, to develop a loan model suitable for the development of agriculture has become the primary issue of agricultural credit. At present, the development of rural finance is very backward, seriously impeding the development of agriculture in our country. Under the condition that the Agricultural Bank lacks the rural credit service, the problems encountered by Chinese agricultural enterprises are also common problems encountered by the developing countries in the world. As far as the state is concerned, when agriculture is scattered for a long time in small-scale farming, the problem of food and industrial structure appears when the intensive and middle-level downstream production is integrated with the needs of large-scale markets. This has become an important factor restricting the development of agricultural enterprises.