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某县农村信用社学习外地实行“贷款证”制度：按农户的信用状况把农户评为一、二、三（或优秀、较好、一般）信用等级，规定不同的信用等级能贷到不同的贷款额度，并发给农户相应的贷款证。实践证明：“贷款证”制度可以有效地解决农民的贷款难，对当地农村经济的发展能起到积
A county rural credit cooperatives to learn the field of “loan card” system: according to the credit status of farmers to households as one, two, three (or excellent, better, general) credit rating, requiring different credit rating can be lent to different Loan line, and issued to the corresponding loan card farmers. Practice has proved that the “loan certificate” system can effectively solve the difficulty of peasants’ loans and can promote the development of local rural economy