当前中小企业问题日益受到各级政府和全社会的关注,成为社会经济发展中的一个重要课题。其中中小企业“融资难”的问题尤其受到各方面的关注。本文根据有关调查情况,就农发行在现有业务范围内如何创新信贷产品,改善粮食小企业贷款难问题谈一些看法。一、创新信贷产品,解决粮食小企业贷款难的必要性和可能性我国中小企业的绝大多数是非公有制企业,非公有制企业的绝大多数是中小企业。它们对增加就业,促进经济的持续稳定发展发挥了不可忽视且不可替代的 At present, the issue of small and medium-sized enterprises is increasingly paying attention to all levels of government and the whole society and has become an important issue in the social and economic development. In particular, the issue of “financing difficulties” for SMEs is particularly concerned by all quarters. This article based on the investigation, on the Agricultural Bank of China within the scope of existing business how to innovate credit products, improve the food small business loans difficult to talk about some views. First, the innovation of credit products, the difficulty and necessity to solve the problem of small-scale loans to small businesses The vast majority of SMEs in China are non-public-owned enterprises, the vast majority of non-public-owned enterprises are small and medium enterprises. They have played an important and irreplaceable role in increasing employment and promoting sustained and steady economic development