农民和私营个体企业资金缺、贷款难、手续繁 ,一直是制约农业结构调整、发展农村经济的“瓶颈”问题。针对这些问题 ,人行江苏省洪泽县支行于 2 0 0 2年 3月根据农村信用社的经营特点和市场定位 ,推出了集“贷款证、股金证、存款证、信用证”四证为一体的“信用一证通”。它除 Lack of funds, loans and complicated procedures for peasants and private individual enterprises have always been the “bottleneck” problems that restrict the adjustment of agricultural structure and the development of rural economy. In response to these problems, the PBOC in Hongze County, Jiangsu Province, launched the four certificates of “Loan Certificate, Stock Certificate, Deposit Certificate and L / C” based on the operating characteristics and market positioning of RCCs in March 2002 One of the “credit card.” It except