摘要
农村商业银行作为服务农村金融的中坚力量，始终助力“三农”发展，全力提升乡村振兴
工作实效。J农商行作为地区性农村商业银行，牢记支农使命，强化支小担当，不断践行产品
和贷款模式的创新，实施差异化的农村金融服务，为地区农业增产、农民增收和农村繁荣发展
注入新的活力。J农商行通过创新贷款模式不断满足农户资金需求，将农户、基地以及农商行
三者紧密地联系在一起，利用农户申请，基地担保的方式降低农户贷款风险，在很大程度上缓
解了农户因无法提供担保而导致贷款难的问题。
本文以J农商行“农商银行＋基地＋农户”贷款模式为研究对象进行分析。首先，通过查
阅国内外专家学者对于农户小额贷款以及“合作社＋农户”贷款模式的相关文献，发现对县域
农商行“农商银行+基地+农户”贷款模式的研究较少，故采用文献研究法和实地调研的方式对
该贷款模式进行分析。并且选取农村金融理论、信息不对称理论以及交易成本理论，为本文后
续分析奠定理论基础。其次，对J农商行和“农商银行＋基地＋农户”贷款模式进行基本介绍，
主要包括J农商行的基本经营状况以及贷款模式的参与主体、贷款流程和渠道。再次，结合上
述理论对贷款模式实施的必要性、创新性以及效益进行深入分析。最后，总结J农商行“农商
银行＋基地＋农户”贷款模式发展过程中的成功之处，为其他农商行和农村金融机构提供启示
与借鉴，更好地满足“三农”金融需求、助力“三农”发展，全力拓展服务乡村振兴的深度和
广度。
关键词：
贷款模式；“农商银行+基地+农户”贷款；农村商业银行
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Abstract
As the backbone of rural finance, rural commercial banks have always contributed to the
development of agriculture, rural areas and farmers, and made every effort to improve the
effectiveness of rural revitalization work.As a regional rural commercial bank, J Rural Commercial
Bank keeps in mind the mission of supporting agriculture, constantly practices the innovation of
product and loan mode, implements differentiated rural financial services, and injects new vitality into
regional agricultural production, farmers' income and rural prosperity and development.J Bank
continuously meets the capital needs of farmers through innovative loan mode, closely connects
farmers, bases and rural commercial banks together, and reduces the loan risk of farmers by applying
and base guarantee, which to a large extent alleviates the problem of difficult loans due to farmers'
inability to provide guarantee.
This paper takes J Bank "Rural Commercial Bank + Base + Farmers" loan model as the research
object.Firstly, through consulting the relevant literature of domestic and foreign experts and scholars
on the small loan of farmers and "Cooperative + Farmers" loan mode, we found that there is little
research on this loan mode, so we use the literature research method and field research to analyze the
loan mode.In addition, the rural finance theory, information asymmetry theory and transaction cost
theory are selected to lay the theoretical foundation for the subsequent analysis of this paper.Secondly,
J Bank and loan model are basically introduced, mainly including the basic operating status of J Bank
and the participants, loan process and channels of the loan model.Thirdly, combined with the above
theories, the necessity, innovation and benefit of the implementation of the loan model are analyzed in
depth.Finally, summarize the success of the development process of J Bank`s loan model , provide
inspiration and reference for other rural commercial banks and rural financial institutions, better meet
the financial needs of "agriculture, rural areas and farmers", help the development of "agriculture,
rural areas and farmers", and expand the depth and breadth of rural revitalization service.
Keywords:
Loan model;"Rural Commercial Bank + Base + Farmers" loans;Rural Commercial Bank
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