“三农”资金需求呈现的新变化资金需求大额化。近年来,农村群体发生了新变化,广大农村已涌现出一大批种养加工能手、大户和组织。随着经营规模的不断扩大,传统的小额信贷难以满足三农需求,大额贷款需求直线上升。调查显示,许多农民购买化肥、种子、小型机具,基本上不再需要贷款,贷款都是投资一些大项目。经济越发达贷款需求额越 “Three Rural ” new changes in funding needs of large demand for funds. In recent years, new changes have taken place in the rural areas and a large number of handlers, large families and organizations have been emerging in the vast rural areas. With the continuous expansion of the scale of operation, the traditional microloan can hardly meet the demand of agriculture, rural areas and farmers, and the demand for large loans has risen linearly. Surveys show that many farmers buy fertilizer, seeds and small machines and basically no longer need loans. Loans are invested in some major projects. The more economical the more demand for loans