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西北农民银行是抗战时期晋绥根据地建立的地方性银行,为了扶植根据地农业发展,解决广大军民的吃饭穿衣问题,银行根据政府规定和农村实际,发放了大量的贷款贷粮。在农贷对象上坚持贫雇农优先贷款的同时,把中农也列入贷款的范围;在农贷的发放时间上,尽量做到不违农时、适时发放;在农贷资金上,注意吸收游资;在农贷利率上,基本上是低利或无利政策;在农贷的用途上,强调贷款用于生产,并且要专款专用。在农贷的实施中,针对不同的农贷对象,制定了完善的农贷发放程序;在收放农贷的方法上以不让农民吃亏为原则。从而使农贷发挥了巨大的作用,既满足了人民对生产资料的需求,提高了人民的生活水平,又促进了社会生产的发展,在极端艰苦的情况下坚持了抗战。
Northwest Peasant Bank is a local bank established in Jin Sui base area during the War of Resistance Against Japan. In order to support the agricultural development in the base areas and solve the problem of food and clothing for the vast numbers of soldiers and civilians, banks issued large amounts of loans and loans in accordance with government regulations and rural realities. While insisting on priority loans for poor peasants and peasants on the target of rural credit loans, middle peasants should also be included in the scope of loans; as far as possible, the peasants’ loans should be distributed in a timely manner when they are not against agriculture; on the funds for agricultural loans, attention should be paid to absorbing hot money; In the agricultural loan interest rates, basically low-interest or no-profit policy; in the use of agricultural loans, emphasizing loans for production, and to earmarking. In the implementation of agricultural loans, different agricultural loans for the target, developed a perfect loan issuance procedures; in the method of receiving and releasing agricultural loans to farmers not to lose the principle. As a result, agricultural loans played a huge role in meeting the demand of the people for their means of production, raising the living standards of the people and promoting the development of social production. They persisted in the war of resistance against Japan under extremely difficult circumstances.