近年来,随着国家扶持“三农”政策的深入贯彻实施,我国农村地区经济发展水平不断提高,农户贷款蓬勃发展。当前农户贷款日益呈现出业务多元化、用途多样化和风险复杂化等新特点和新趋势。在总结全国先进支农经验、广泛征求各界意见基础之上,中 In recent years, along with the thorough implementation and implementation of the policy of “supporting agriculture, rural areas and farmers” by the state, the level of economic development in rural areas of our country has been continuously raised and loans for farmers have been booming. At present, peasant household loans are showing increasingly new features and new trends such as diversification of businesses, diversification of uses and risks. In summing up the experience of advanced agriculture, extensive solicit opinions from all walks of life, based on