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近年来,在市场化改革旗帜的引领下,作为我国农村金融主力军的农村信用社(以下简称农信社)的自身实力和发展能力都获得了大幅提升。然而,作为日益商业化、市场化的金融机构,农信社在信贷支农的模式选择上面临着新的挑战。尽管各地农信社都在积极探索提高信贷支农效率的有效方法,但传统的信贷支农模式一直是制约农信社信贷支农成效全面提升
In recent years, under the guidance of the banner of marketization reform, the rural credit cooperatives (hereinafter referred to as rural credit cooperatives), as the main force of rural finance in our country, have enjoyed substantial improvements in their own strength and capability of development. However, as an increasingly commercialized and marketized financial institution, RCCs are facing new challenges in choosing the mode of credit support for agriculture. Although all rural credit cooperatives are actively exploring ways to improve the efficiency of credit supporting agriculture, the traditional model of credit supporting agriculture has always been to constrain the credit supportiveness of rural credit cooperatives