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在每年的11～12月份,距离下年春耕生产还有三四个月的时间点上,农村金融机构就开始收贷、放贷,农贷期限与粮食销售和春耕生产发生错位,使农民利益受损,农贷政策亟待调整和完善。农贷期限错位主要表现在两个方面,一是发放贷款与备春耕生产时节错位,二是收贷与粮食销售时间错位。农贷期限的错位严重损害了农民利益。在农村,农民粮食没有出售时若急于还贷款,只能通过借钱,而民
In the 11-12 months of each year, from the time point of three or four months from the spring next year, the rural financial institutions started to receive loans, lending, the deadline for agricultural loans and the disagreement between grain sales and spring production so that the interests of farmers Loss, agricultural credit policy needs to be adjusted and perfected. Mismatch of the term of rural credit is mainly manifested in two aspects. One is the dislocation of loans and the preparation of spring production season, and the second is the dislocation of loan collection and grain sales. The dislocation of the term of agricultural loans has seriously damaged the interests of peasants. In rural areas, peasants who rush to repay their loans without selling grain can only borrow money while they live in the country