“阳光信贷”作为一种广覆盖建立客户档案、引入外部评议机制、简化贷款办理流程、提供配套信贷服务的全新办贷方式,近两年在部分地区涉农金融机构得到了较好的推广和普及,取得了积极的社会效果和业务带动效应。但由于内外部环境影响,“阳光信贷”办贷模式推广过程中还面临一些矛盾亟待解决。“阳光信贷”办贷模式推广的现实 “Sunshine Credit” is a new way of handling loans that widely covers the establishment of customer files, introduction of external appraisal mechanisms, simplification of loan handling procedures and provision of supporting credit services. In recent two years, the “Agricultural Credit Suisse” has obtained relatively good Promotion and popularization, and achieved positive social effects and business-driven effects. However, due to the internal and external environmental impacts, some contradictions still need to be solved urgently in the process of popularizing the loan model of “Sunshine Credit”. “Sunshine Credit ” mortgage loan model to promote the reality