近年来,随着国家支持农村金融服务政策的不断深化,各类新型农村金融机构不断涌现,涉农银行机构的种类、数量不断增加,涉农信贷投入不断加大,制约“三农”发展的资金瓶颈得到了缓解。但同时,商业银行避险逐利的天性与“三农”弱势弱质的弱性并存,放贷机构严控追责与承贷主体信用不足并存,造成金融机构“难贷款”与农民兄弟“贷款难”并存。因此,金融机构必须紧密结合农村改革发展整体规划,积极矫正制约金融服务“三农”创新的瓶颈和制约的因素,科学谋划支农 In recent years, with the continuous deepening of the state’s policy of supporting rural financial services, various types of new-type rural financial institutions continue to emerge. The types and numbers of institutions involved in agriculture are continuously increasing, and investment in agriculture-related loans is constantly increasing, restricting the “three rural” The funding bottleneck for development has been eased. However, at the same time, the nature of safe-haven for commercial banks coexists with the weakness of weak and weak sectors of agriculture, rural areas and farmers. The strict control of the lending institutions and the lack of credit of the main lending institutions coexist, resulting in the “ Peasant brothers ”loan difficult " coexist. Therefore, financial institutions must closely integrate the overall plan for rural reform and development, actively rectify the bottlenecks and constraints that restrict the innovation of financial services and agriculture, rural areas and farmers, and scientifically plan for supporting agriculture