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从近期的一项调查情况看,对农村金融需求的满足程度的认识,不同主体有着完全不同的认识。农村金融机构的人员认为,通过广泛推广农户小额信用贷款和联保贷款等方便快捷的贷款方式,当前农村大多数的信贷需求已经得到满足。对此问题,江西省农信社进行了一项专项调查,结果显示向农信社提交贷款申请的农户中,有80%以上获得了贷款支持,不存在因资金不足而拒绝向农民发放贷款的问题。农信社普遍认为当前面临的最大问题是缺乏合适的贷款项目,其高成本吸收的存款
Judging from a recent survey, the understanding of the degree of satisfaction with rural financial needs has completely different understandings among different subjects. Rural financial institutions believe that most rural credit needs have been met through the widespread adoption of quick and easy loans, such as rural micro-credit loans and UNPROFOR loans. In response, a special investigation was conducted by RCCs in Jiangxi Province. As a result, over 80% of the farmers who submitted loan applications to RCCs received loan support. There was no refusal to grant loans to farmers due to lack of funds problem. RCC believes that the biggest problem facing the current is the lack of suitable loans, the high cost of its deposits