当前,加大支农力度,增加农业信贷的有效投入,支持农村经济持续、快速、健康地发展,从而稳定增加农副产品有效供给,尽快提高农民收入,将是农村金融工作面临的一个十分光荣而艰巨的任务,农业的根本特点是自然再生产同经济再生产交织在一起,其投资见效慢、回收期长、风险大,因此是社会效益高、经济效益低的弱产业。农业除了同其他产业一样具有市场风险外,还有自然风险、政策风险。同时,农业比较利益低下,也挫伤了农民投入的积极性。这些都使农业为基础的政策真正落实成为一个现实的难题。特别是粮、棉、油、猪等主要农副产品产量长期徘徊,导致农副产品有效供给不足、通贷膨胀率居高不下,加之众多农 At present, increasing the intensity of supporting agriculture and increasing the effective investment in agricultural credit to support the sustained, rapid and healthy development of the rural economy so as to steadily increase the effective supply of agricultural and sideline products and raise farmers’ income as soon as possible will be a glorious and The arduous task is that the fundamental characteristic of agriculture is that natural reproduction is intertwined with economic reproduction. Its investment is slow, long payback period and high risk. Therefore, it is a weak industry with high social benefits and low economic returns. In addition to agricultural market risk as in other industries, there are natural and policy risks. At the same time, the comparatively low profits of agriculture also dampened the enthusiasm of farmers. All of these make the actual implementation of agricultural-based policies a real problem. In particular, the output of major agricultural and sideline products such as grain, cotton, oil and pigs have long lingered, leading to an insufficient supply of agricultural and sideline products and a high inflation rate. In addition,