随着改革开放的不断深入,我国农业信贷体系的弊病越发凸显,农户贷款难问题也逐渐引起许多人的关注,从而成为了一个社会问题。相比之下,美国的农业信贷机构体系则更加健全和完善,无论是制度方面还是机构协调方面都给予了我们许多启示。对比美国的农业信贷体系并不意味着如法炮制,而是希望通过这样的对比找到适合我们国情的更加有效的解决方法。 With the continuous deepening of reform and opening up, the drawbacks of China’s agricultural credit system have become increasingly prominent, and the difficult problem of rural households’ loan has gradually drawn the attention of many people and has thus become a social problem. In contrast, the system of agricultural credit institutions in the United States is more complete and perfect, giving us many enlightenments in terms of institutional aspects and institutional coordination. A comparison of the U.S. agricultural credit system does not mean that it should be handled in the same way. Instead, it hopes to find a more effective solution to our national conditions through such a comparison.