一、全面认识“三农”概念的内涵 ,树立“大农业”观念 ,拓展信贷投放空间　　随着农村市场经济的发展 ,“三农”概念不断更新 ,内涵越来越丰富。现代农民已不是简单的“面朝黄土背朝天”的耕夫 ,而是趋向年轻化、知识化、专业化的农民 ,农民从事致富的手段和途径趋向多元化 , First, comprehensively understand the connotation of the concept of “agriculture, rural areas and farmers”, establish the concept of “big agriculture” and expand the space for credit liberalization With the development of the rural market economy, the concept of “three rural issues” has been constantly updated with more and more connotations. Modern peasants are no longer simply “gherkins facing back to the loess”, but tend to be younger, more educated and specialized peasants. The peasants tend to become rich in means and means of diversification,