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最近,中国人民银 行为贯彻落实中央农村工作会议精神进一步加大农业信贷投放,支持农村经济建设和农业结构调整,做出了再次向农村信用社增加再贷款200亿元限额的决定。农户贷款需求如何呢?对此我们进行了调查,发现农户对贷款需求有五盼: 一盼简化借款手续,在急需资金时能及时快速地取得贷款。目前,农户贷款手续相当繁琐,取得一笔贷款最短也得三五日。由于广大农户贷款时缺乏抵押、质押物,因而,担保难、贷款难的问题也相当突出。因而推行农户联保,小额贷款证制度势在必行。 二盼能取得利率较低的贷款。目前农村信用社对农户的贷款利率为在国家基准利率基础上上浮50％,半年期贷款利率达6.975％;一年期贷款利率达7.3125％,如农户借贷一笔5000元、期限一年的贷款,到期应付利息为438.25元,由于农业的比较收益
Recently, in order to implement the spirit of the Central Rural Work Conference, the People’s Bank of China further increased agricultural credit, supported rural economic construction and agricultural restructuring, and made the decision to increase the credit limit of 20 billion yuan to rural credit cooperatives once again. We have conducted a survey and found that farmers have five expectations of loan demand: a look forward to simplifying the procedures for borrowing, in the urgent need of funds to obtain timely and rapid loans. At present, farmer loan procedures are quite complicated, and the shortest possible loan amount is 35 days. Due to the lack of mortgages and pledges by the majority of peasants’ loans, the problems of difficult guarantee and difficult loans are also quite prominent. Therefore, the implementation of joint insurance farmers, micro-credit card system is imperative. Two hope can get a lower interest rate loans. At present, the rural credit cooperatives lending rate for farmers is based on the national benchmark interest rate rise 50%, half-year lending rate of 6.975%; one-year lending rate of 7.3125%, such as farmers borrowing a sum of 5,000 yuan, one-year loan , Interest payable due is due to agricultural comparative income 438.25 yuan