浅析农户个人信贷业务拓展中的障碍和对策建议

中国经济长期以来呈现出“重城轻乡”的二元制结构特点，在这种经济结构背景下的城乡个人信贷政策却没有实行差别化，这是造成我国农村个人信贷业务难以推进的主要障碍。目前银行在针对个人办理贷款时都有一些硬性条件，包括面临风险时贷款利率会适当上浮，个人贷款期限以年为单位，要求借款人一定时间内支出与收入比不得超过50％，这些政策和限制性条件对农户贷款并不适用，在为农户办理贷款时应适用新的信贷政策，使其更贴近农户的实际信贷需求。

Analysis of Policy Barriers and Suggestions for the Expansion of Farmers Credit Business

China＇s economy has long been showing a ＂city of light weight town＂ dual system structural features, in this context of urban and rural economic structure, individual differentiated credit policy was not implemented, which is the main obstacle caused consumer credit businesses difficult to advance in China＇s rural area. Currently the bank when handling personal loans have a fixed conditions, including when appropriate risk lending rates would go up, personal loan term in years, more than one year shall not adopt a one-time loan repayment method, require the borrower＇s ratio of expenditure and income must not exceed 50% of the time, these policies or restrictive conditions do not apply to loans for farmers, instead should apply for loans open up new dedicated credit policy, to be closer to the actual credit needs of farmers, these are directly related to whether farmers can obtain bank loans crucial factor.