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随着农村经济形势的变化和产业结构的调整,农户小额信用贷款已难以满足“三农”多层次的需求,也难以保证农信社信贷风险的有效控制。重庆市云阳县联社及时根据这些变化,大力创新“三农”贷款品种,并将其与银监会推动的“送金融知识下乡”、“送金融产品下乡”活动紧密结合,有效满足了农村金融服务需求,促进了“三农”和县域经济发展,走出了一条农民受益、农信社发展的“双赢”之路。
With the change of rural economy and the adjustment of industrial structure, it is hard for farmers to control the credit risk of rural credit cooperatives because of their difficulty in meeting the multi-level demand of “agriculture, rural areas and farmers”. In accordance with these changes, Yunyang County Associated Press of Chongqing promptly innovated the loan varieties of “agriculture, farmers and farms” and compared them with the “Promotion of Financial Knowledge to the Countryside” and “Delivery of Financial Products to the Countryside” promoted by China Banking Regulatory Commission The close integration and effective meeting of the demand for financial services in rural areas have promoted “three rural issues” and the development of county economy, and have come out of a “win-win” path for the benefit of farmers and the development of rural credit cooperatives.