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农业贷款是我国银行贷款的一个重要组成部分,是农村金融机构对农业企业和农户提供货币资金的信用活动形式。其中承包户、专业户贷款主要是贷给农村中的各种承包户、专业户及其相互组织的各种经济联合体。农业贷款用作从事农、林、牧、副、渔业的生产费用和生产设备资金,从事政策允许的工业、手工业、交通运输业、建筑业、饮食服务业等生产过程中所需流动资金不足的部分,以及生活方面正当的临时周转的资金。
Agricultural loans are an important part of China’s bank loans and are the forms of credit activities that rural financial institutions provide monetary funds to agricultural enterprises and farmers. Among them, loans to contractors and specialized households are mainly loans to contractors, specialized households and various economic associations organized by them in rural areas. Agricultural loans are used to engage in the production costs of agriculture, forestry, animal husbandry, fisheries and fisheries, as well as the capital of production equipment. Inadequate liquidity is required for the production of industrial, handicraft, transportation, construction, catering services and other industries permitted by the policy As well as funds for the proper temporary turnover of life.