一直以来,涉农信贷为推动“三农”发展发挥了重要作用,极大地促进了农村经济发展。近日,银监会印发的《关于做好2016年农村金融服务工作的通知》指出,监管部门和银行业金融机构要着力强化对加快农业现代化的金融支持,优化信贷结构,努力实现涉农信贷投放持续增长。但近年来,各涉农金融机构对涉农信贷产品创新力度不够,涉农信贷产品创新步伐减慢成为涉农信贷投放量增速逐步放缓的因素之一,这一现象在六盘山连片特困地区表现得尤为 All along, agricultural credit has played an important role in promoting the development of “agriculture, rural areas and farmers” and has greatly promoted rural economic development. Recently, the Circular on Doing 2016 Rural Financial Services promulgated by China Banking Regulatory Commission recently pointed out that regulators and banking financial institutions should focus on strengthening financial support for accelerating agricultural modernization, optimizing credit structure and making efforts to achieve sustained growth of agricultural credit adherence . However, in recent years, all agricultural-related financial institutions have not made enough innovations in agricultural credit products, and the pace of innovation in agricultural credit-related products has slowed to become one of the factors that have slowed down the growth of agricultural credit loans. Particularly hard-hit areas performance is particularly