云南省昭通市属于农业大市,农业在国民经济总体格局中占有重要地位。长期以来存在的金融对“三农”支持不足的问题,原因比较复杂,但其中一个原因就是现有信贷模式制约了农村金融力量的发挥,农村金融机构即使资金充裕,也因担保不足无法发放贷款,导致大量资金流出农村。 Zhaotong City, Yunnan Province is a large agricultural city, agriculture occupies an important position in the overall pattern of the national economy. The long-standing problem of insufficient financial support for agriculture, rural areas and farmers has been complicated by some reasons. However, one of the reasons for this is that existing credit models have constrained the development of rural financial power. Even if sufficient funds are available to rural financial institutions, they can not be guaranteed Loans, resulting in a large outflow of funds out of the countryside.