农业政策性贷款是以政府的产业政策和区域发展政策为依据,以国家信用为基础,对农业及相关领域进行信贷支持、保护,促进农业全面发展和农民收入稳定增长的一种特殊的金融活动。它具有经营方向的政策性、经营目标的社会效益性和非盈利性、资金运用的优惠性、利益补偿的确定性及与商业金融的互补性等特点。为了充发发挥农业政策性信贷对于巩固农业基础地位和促进国民经济健康协调发展的重要作用,必须重视农业政策性信贷承载主体的选 Agricultural policy loans are a kind of special financial activities based on the government’s industrial policies and regional development policies and on the basis of national credit, providing credit support to agriculture and related fields, protecting and promoting the all-round development of agriculture and the steady growth of peasants’ incomes . It has the operating direction of the policy, the social and non-profit business objectives, the use of funds, the certainty of the benefits of compensation and commercial finance and other characteristics of complementarity. In order to give full play to the important role of agricultural policy credit in consolidating the basic status of agriculture and promoting the healthy and coordinated development of the national economy, we must attach importance to the election of the subject of agricultural policy-oriented credit