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许多合作社发展过程中会遇到这样的问题,合作社一直没有自己的生产线,相关产品还是采取委托生产的方式,这使合作社的发展受到了很大制约。于是合作社理事长想去申请农业贷款,然后扩大合作社规模。但去了银行以后,却碰了壁。有位理事长说:“现在市场需要我们扩大再生产,但是找银行贷款,银行却贷不出来,这可真发愁!”农业贷款为何难?其实,每年国家农业信贷的数额并不低,但为何许多农业经营者却贷不到款呢?许多农业经营主体(以合作社为例)贷不到款往往存在以下问题:第一,资产不够稳定。农民合作社
Many cooperatives encounter such problems in the development process. Cooperatives have not had their own production lines and the related products have been commissioned. This has greatly restricted the development of cooperatives. So the cooperative director wanted to apply for an agricultural loan and then expand the size of the cooperative. But after going to the bank, but hit the wall. A chairman said: “Now the market needs us to expand reproduction, but to find bank loans, banks are not able to lend out, which is really worry!” Why is agricultural loans difficult? In fact, the amount of national agricultural credit each year is not low, But why many agricultural managers can not borrow money? Many agricultural operators (for example, cooperatives) are often unable to loan the following problems: First, the assets are not stable enough. Farmer cooperatives