通过金融机构取得信贷资金,是广大农民朋友发展经济、脱贫致富的重要筹资渠道。但是笔者发现许多农民朋友并不清楚贷款方式与手续,致使往返多次费时费力未得解决,造成不必要的经济损失。现将农民如何才能取得贷款的有关知识介绍于下:从我国现有金融机构格局来看,直接支持农村经济发展的金融机构主要有农业发展银行,农业银行和农村信用社,而直接对农村家庭承包户发放信贷资金的主要是农村信用社。所以,农民最好是到辖区内的信用社申请贷款。到信用社之前应准备好以下手续,辖区内信用社的股金证(此证在信用 Obtaining credit funds through financial institutions is an important financing channel for the majority of farmers and friends to develop their economy and get rid of poverty and prosperity. However, I found that many peasant friends did not know the loan methods and formalities, resulting in many unsustainable and time-consuming trips, resulting in unnecessary economic losses. The relevant knowledge about how farmers can obtain loans is introduced below: From the perspective of the existing financial institutions in our country, financial institutions directly supporting rural economic development mainly include Agricultural Development Bank, Agricultural Bank of China and Rural Credit Cooperatives. However, The contractor’s credit funds are mainly issued by rural credit cooperatives. Therefore, farmers are best to apply for loans to the credit cooperatives within the jurisdiction. To the credit cooperatives should be prepared before the following procedures, the credit card company area card (this card in credit