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与城市中小企业相比,农村中小企业的融资难度可能更大,但发展农村中小企业的社会意义不可忽视,它关系到农村经济结构的调整、农民的增收、农村的富裕,建设社会主义新农村必须关注农村中小企业的融资问题。推行农村中小企业联保贷款不仅适应了农业企业的生产特点,有助于促进农业企业规范化和规模化发展,优化农业产业结构,有助于银企农“三赢”,也有助于农村金融机构的发展和信贷资源的合理配置。
Compared with urban SMEs, SME financing in rural areas may be more difficult to finance, but the social significance of rural SMEs development can not be ignored, it is related to the adjustment of rural economic structure, increasing farmers, rural areas, building a new socialist countryside We must pay attention to the financing of rural SMEs. The implementation of the joint guarantee loans for rural SMEs not only accords with the features of agricultural enterprises, but also helps to promote the standardization and large-scale development of agricultural enterprises, optimize the structure of agricultural industries, help “win-win” between banks and enterprises, and also help rural financial institutions The development and rational allocation of credit resources.