摘要:农民贷款难现状在全国具有普遍性，解决农民贷款难问题已成当务之急，具有深刻的社会现实意义，直接关系到党和政府各项惠农政策贯彻实施及农村经济社会稳定发展。农民贷款难是农民最关切、政府最关心、社会最关注的问题，也几成为“两会”热点问题。破解难题，不仅对全面服务“三农”意义重大，对整个国民经济发展、社会和谐稳定都具有深远意义。随着新农村建设和农业产业化、规模化经营的深入推进，农民对金融产品和服务的要求更加迫切。但由于农业具有周期长、规模小、回报低等特征，易受气候等自然环境的影响，生产效益难以预测；农村经济基础薄弱，农户经营分散，农村金融管理成本较高；农业贷款规模较小，贷款效益较低，金融机构普遍缺乏在农村投放信贷的动力，致使农村金融发展相对滞后，已经成为农村经济发展和新农村建设的重要制约瓶颈。

关键词 农民贷款；农村经济；农村金融体系

Abstract:Universal status of farmers getting loans in the country, to solve the difficult problem of loans to farmers has become a top priority, with profound social and practical significance, directly related to the party and the government of the preferential agricultural policies have been consistently implementing and stable development of rural economy and society. Farmers getting loans is of most concern to farmers, the government is most concerned about, the greatest concern of the community, but also a few "two sessions" hot issues. Solve problems, not only for the major full-service "three rural" meaning, development, social harmony and stability of the national economy as a whole has far-reaching significance. With the new rural construction and agricultural industrialization, large-scale operation to further promote the farmers more urgent demand for financial products and services. However, because agriculture has a long life cycle, small-scale, low return characteristics, vulnerability to climate and other natural environment, production efficiency is difficult to predict; weak economic foundation of rural farmers decentralized operation, the higher cost of rural financial management; agricultural loans smaller loan effectiveness, financial institutions generally lack the power to run credit in rural areas, resulting in rural financial development is lagging behind, has become an important bottleneck for rural economic development and new rural construction.

Keywords  loans to farmers  rural economy  rural financial system