农业信贷投放增长缓慢,是近几年经济领域中普遍关注的问题,尽管中央一再指出要重视农业和增加农业投入,但制约信贷资金向农业倾斜的因素依然不少.本文结合勉县实际就农业信贷投放的难点及对策谈一孔之见.一、农业信贷投放的难点难点之一,种养业吸纳信贷资金的容量小.长期形成的“种粮为吃饭,养鸡为换盐,养猪为过年的传统农业仍左右着多数农民.以勉县为例,农业产业结构历经几年调整,1994年农业总产值中种养业仍占64%,仅比1987年下降8个百分点,投入产出之比为1:1.175.吸纳信贷资金的容量小,表现在:一是种养业所需籽种、化肥、农药、饲料等,农民一般都可以通过出售农副产品自筹,或向亲友融通,无需向金融部门借贷;二是支农主体农村信用社贷款利率上作60%,农民难以承受,加之贷款手续繁杂,种养业贷款增量有限. Although the central government has repeatedly pointed out that it is necessary to attach importance to agriculture and increase agricultural input, there are still many factors restricting the lending of credit funds to agriculture. In light of the actual situation of agriculture in Mian County, the slow growth of agricultural credit delivery is still a common concern in the economic field in recent years. Difficulties and Countermeasures of Credit Investment Talk about a hole.First, one of the difficulties and difficulties of agricultural credit investment, the capacity of breeding stock raising industry to absorb credit funds is small.For a long time to form "grain for the meal, chicken for salt, pig for the New Year Traditional agriculture is still dominated by the majority of peasants .In Mian County, for example, the agricultural structure of the industry after years of adjustment, in 1994 the total output value of agriculture still accounted for 64% of farming, only 8 percentage points down from 1987, input-output ratio 1: 1.175. The capacity to absorb credit funds is small, as follows: First, the seeds, fertilizers, pesticides and feedstuffs needed for farming and raising are generally available to farmers for sale or to be provided to relatives and friends without the need for Financial sector loans; the second is the main rural credit cooperatives for 60% of lending rates, peasants unbearable, coupled with the complicated loan procedures, the limited amount of loans for planting and breeding industry.