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问题之一,农业生产的重要性与农业贷款使用效率低的矛盾 我国是一个农业大国,农业基础建设比较落后,抗御自然灾害能力须弱,多数地方还是靠天吃饭。首先,表现在农业生产上的季节性,不稳定性,给农村信用社农业贷款的安全营运带来了一定程度的风险。尽管现阶段农村产业结构发生了较大的变化,但农业是础薄弱这个现实并没有从根本上改变,低效益的农业生产仍占很大比重。由于农业生产对自然环境有相当大的依赖性,季节约束十分空出,等量劳动会形成不等量的劳动收入。一旦遇上自然灾害,资金周转速度就会更慢,信用社投入的贷款
One of the problems is the contradiction between the importance of agricultural production and the inefficient use of agricultural loans. China is a big agricultural country with relatively backward agricultural infrastructure and weakened capacity to resist natural disasters. Most places still rely on the weather. First of all, showing the seasonal and instability of agricultural production has brought some risks to the safe operation of rural credit cooperatives’ agricultural loans. Despite the great changes in rural industrial structure at this stage, the fact that agriculture is weak has not fundamentally changed. Low-efficiency agricultural production still accounts for a large proportion. Due to the considerable dependence of agricultural production on the natural environment, the seasonal constraints are quite vacant and the same amount of labor will form an unequal amount of labor income. In the event of a natural disaster, cash flow will be slower and credit unions invest loans