现在的农业信贷市场上存在着诸多问题,本文重点分析了贷款利率的上浮限制对农业贷款量的影响,指出在一定程度上影响了农业贷款的增长。并进一步从农户角度探讨了降低农业贷款风险的模式——农村合作经济组织,创新性地提出了农业贷款市场中存在的Backward bending,最后给出了相应的对策与建议。 Nowadays, there are many problems in the agricultural credit market. This paper analyzes the impact of the floating limit of lending rates on the amount of agricultural loans, pointing out that this has to some extent affected the growth of agricultural loans. And from the point of view of farmers, this paper discusses the mode of reducing the risk of agricultural loans - rural cooperative economic organizations, and puts forward Backward bending in the agricultural loan market innovatively. Finally, the corresponding countermeasures and suggestions are given.