从传统意义上说,农户贷款应是银行业金融机构对农户发放的用于农林牧渔业生产的贷款。但是,近年来,随着现代农业的发展和农业产业结构的调整,农村经济多元化发展加快,特别是城乡一体化的快速发展,许多农户家庭已不再是单纯从事农业生产的个体单位,农户贷款的实际用途呈现出多样化倾向,大量农户贷款 Traditionally, loans to farmers should be loans granted to farmers by the banking financial institutions for the production of agriculture, forestry, animal husbandry and fishery. However, in recent years, with the development of modern agriculture and the adjustment of agricultural industrial structure, the diversification of rural economy has accelerated, especially in the rapid development of urban-rural integration. Many families of farmers are no longer individual units or households that are engaged in agricultural production. The actual use of loans showed a tendency of diversification, a large number of farmers loans