陕西“银保富”、温州农房变现,都是通过创新贷款抵押来破解农户贷款难。其实,农村金融突破点很多,多角度思考和行动,农户贷款将不会再难。在我国,农户贷款难已经成为公认的事实。对此,一般的解释囿于自然风险高、缺乏担保等农户自身的问题,而实际上农户贷款难的原因是综合性的,金融机构和体制的问题都有可能阻碍农户贷款。因此,缓解农户贷款难问题,需要多角度思考。 Shaanxi “Banpo Fu ”, Wenzhou farm realizes, all through the innovation loan mortgage to crack the peasant household loan difficult. In fact, a lot of breakthroughs in rural finance, multi-angle thinking and action, farmer loans will not be difficult. In our country, the difficulty of peasants’ loan has become a recognized fact. In this regard, the general explanation is that farmers have their own problems, such as high natural risks and lack of guarantees. In fact, the reasons for the difficulty of rural households ’loans are comprehensive and the problems of financial institutions and institutions are likely to hinder farmers’ loans. Therefore, to alleviate the problem of peasant household loans, we need to think in many ways.