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中國人民銀行在人民政府領導下每年發出大批農类貸款,這是對农民、對農業生產很實際的一種帮助。但發放农業貸款能否在扶助生產上發揮其應有的效果,还决定於執行農貸政策是否適當和貸款發放是否及時、是否切合羣众需要。過去各地組織發放农貸的工作,是有很大成績的,並取得了不少經驗,但也存在着許多缺點,这主要表現在:長期農业貸款既不可能由預算拨款,而銀行所能分配的貸款,又由中央各主管部門分散使用,各按業務系統下達,加之,中央各主管部門及有些一地區在發放農貸時,忽視小农經濟的現實狀况和特點,以致製訂推廣新式農具、打井及農田水利建设等貸款計劃,脫離實際情况,過分强調專款專用和實物貸放;有些地區設備性貸款所佔比重過大,一般性貸款比重過小;
Under the leadership of the People’s Government, the PBC issues a large number of agricultural loans each year, which is a real help to farmers and to agricultural production. However, whether the issuance of agricultural loans can play its due role in helping production will also determine whether the implementation of the agricultural loan policy is appropriate and whether the timely issuance of loans is in line with the needs of the masses. In the past, the work of organizing and issuing agricultural loans in various places in the past made great achievements and gained a great deal of experience. However, there are many shortcomings. This is mainly manifested in the fact that long-term agricultural loans are neither financed by the budget nor can the banks Allocated loans are decentralized and used by various central departments in charge and are distributed according to business systems. In addition, all central authorities and some regions neglect the actual situation and characteristics of small-scale peasants in the process of issuing agricultural loans so that new agricultural tools , Drilling wells and water conservancy projects such as farmland construction and lending plans that deviate from the actual situation and overemphasize earmarked loans and loans in kind. In some regions, the proportion of equipment loans is too large and the proportion of general loans is too small.