一个县级农村合作银行,身微而言轻,但这不妨碍他们致力于中国金融业改革的探索。数据显示,浙江省新昌县辖内约20%的小微企业在新昌农村合作银行(以下简称新昌农合行)有贷款。截至2011年末,30万元以下的个人贷款占全行贷款总额的24.78%,30万至500万元的企业贷款占45.29%,全行户均贷款余额42.23 A county-level rural cooperative bank is small and light, but this does not prevent them from devoting themselves to the exploration of the reform of China’s financial industry. Data show that Xinchang County, Zhejiang Province, about 20% of small and micro enterprises in Xinchang Rural Cooperative Bank (hereinafter referred to Xinchang Agricultural Bank) have loans. As of the end of 2011, personal loans below RMB300,000 accounted for 24.78% of the total loans of the bank, corporate loans from RMB300,000 to RMB5 million accounted for 45.29%, and bank loans per user at the Bank reached 42.23%