农信社应结合农民工特点创新信贷产品,针对农民工工资性收入不高的实际,可尝试将粮食直补、土地流转、退耕还林补助、征地赔偿款等作为还款来源,为农民工“量身订做”信贷品种。另外,应参考农民工自身条件,创新抵押担保方式,扩大抵押担保范围,例如农民工联保,有偿还能力的自然人担保,市场摊位使用权、农村土地经营权和宅基地使用权等抵押、质押贷款。地方财政应参照助学贷款和下岗失业贷款风险补偿及财政贴息办 Rural credit cooperatives should innovate credit products according to the characteristics of rural migrant workers. In view of the fact that the wage income of migrant workers is not high, it may try to subsidize the peasants by direct subsidies, transfer of land, subsidies for returning farmland to forests, land compensation fees, etc. “Tailor-made ” credit varieties. In addition, we should refer to the conditions of migrant workers themselves, innovate the mortgage guarantee methods and expand the scope of mortgage guarantee, such as the guarantee of migrant workers, the guarantee of repayable natural persons, the right to use market stalls, the right to use rural land and the right to use homesteads, etc. loan. Local finance should refer to student loans and laid-off unemployment insurance risk compensation and financial discount