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造成农民贷款难，既有国家政策面影响，又受农民单户经济的局限，但当前最迫切需要解决的是农村信用社与农民之间的信用问题。解决了信用问题，不仅能较好解决农民贷款难问题，而且也是农村信用社走出经营低谷，实现“双赢”的有效途径。 一、影响信用社与农民信用关系的因素
As a result, it is difficult for peasants to make loans, which is not only affected by the national policy but also limited by the peasants’ single-household economy. However, the most pressing issue to be solved now is the credit problem between rural credit cooperatives and peasants. Solve the credit problem, not only can better solve the problem of peasant loans, but also rural credit cooperatives out of the business downturn, to achieve a “win-win” effective way. First, the factors that affect the credit relations between credit cooperatives and peasants