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2014年4月,由西南财经大学与中国农业银行联合发布的《中国农村金融发展报告2014》显示:农村正规信贷需求十分旺盛,有借贷需求的家庭比例达到19.6%。其中,低收入农户中有农业生产信贷需求的比例达到52%,但其正规信贷可得性约为27.6%;在未能获得银行贷款的72.4%的农户中,有62.7%虽然需要资金但未到银行贷款,只有9.8%的农户提出贷款申请但被银行拒绝。与此形成鲜明
In April 2014, China Rural Financial Development Report 2014 jointly issued by Southwestern University of Finance and Agriculture and Agricultural Bank of China showed that the demand for formal credit in rural areas is very strong, with the proportion of families with loan needs reaching 19.6%. Among them, the proportion of low-income farmers in agricultural production credit demand reached 52%, but the formal availability of credit is about 27.6%; in 72.4% of households failed to obtain bank loans, 62.7% although the need for funds but not To bank loans, only 9.8% of the farmers to apply for a loan but rejected by the bank. With this clear