本报讯 （记者李震、刘新宇）记者在19日举行的中国金融工会广东工作委员会对 “三农”（农业、农村、农民）和中小微企业的金融服务表彰会上了解到，广东银行业对“三农”和中小微企业的贷款保持持续增长，金融业的各项扶持力度不断加强。

Report from our correspondent (Reporter LiZhen/LiuXinYu)Reporter in the 19 at the China financial trade union work committee of guangdong province "Agriculture, countryside and farmers"(agricultural/rural/farmers)And small and medium-sized micro enterprise financial service recognition meeting to know,Guangdong banking to"Agriculture, countryside and farmers"Small and medium-sized and small enterprise loan maintain sustained growth,Financial support the increasingly strengthen.

　　会议介绍，截至2012年9月末，广东银行业中小微企业贷款余额2.7万亿元，比年初增加3150.3亿元；至今年二季度末，全省涉农贷款余额6084亿元，比年初增加569亿元，同比增长20.28%，高于全部贷款增速6.5个百分点。

The meeting is introduced,By the end of 2012 and the end of the month,Guangdong banking small and medium-sized micro enterprise loan balance is 2.7 trillion yuan,315.03 billion yuan more than at the beginning;And at the end of the second quarter of this year,The province agriculture loan balance is 608.4 billion yuan,56.9 billion yuan more than at the beginning,Year-on-year growth of 20.28%,Higher than the full loan growth of 6.5%.

　　应给予农户贷款容忍度 Should give farmers loans tolerance

　　据银监会网站公布，《农户贷款管理办法》已于近日发布，管理办法自2013年1月1日起施行。

According to the banking regulatory commission (CBRC) website,[The measures for the administration of the peasant household loans]Already released,Since 2013 the measures for the administration of the January 1,.

　　管理办法强调，农村金融机构应综合考虑农户贷款资金及管理成本、贷款方式、风险水平、合理回报等要素以及农户生产经营利润率和支农惠农要求，合理确定利率水平；农村金融机构应以支持农户贷款发展为基础，建立科学合理的农户贷款定期考核制度，对农户贷款的服务、管理、质量等情况进行考核，并给予一定的容忍度。

Management way to emphasize,Rural financial institutions should be comprehensive consideration of the peasant household loan funds and management cost/Loan way/Risk level/A reasonable return and farmers elements such as production and business operation profit margins and requirements to support and benefit,Reasonable interest rates;Rural financial institutions should be to support the peasant household loan development as a foundation,Establishing a scientific and reasonable assessment system of peasant household loans regularly,Peasant household loans to the service/management/The circumstance such as quality examination,And to give certain tolerance.

　　而对于因自然灾害、农产品价格波动等客观原因造成借款人无法按原定期限正常还款的，由借款人申请，经农村金融机构同意，可以对还款意愿良好、预期现金流量充分、具备还款能力的农户贷款进行合理展期，展期时间结合生产恢复时间确定。已展期贷款不得再次展期。展期贷款最高列入关注类进行管理。

For because of natural disasters/Agricultural products price fluctuation and objective causes the borrower cannot at the scheduled time of normal reimbursement,By the borrower application,The rural financial institutions agreed to,To reimbursement intend to good/Expected cash flow fully/Have the ability to repay the loan farmers reasonable extension,Extended time combined with production recovery time determine.Already extended loan may not be as further extension.Extended loan highest attention in class management.

　　作为涉农贷款的重要组成部分，农户贷款规模近年来稳步增长。银监会统计显示，截至2012年6月末，金融机构农户贷款余额34840亿元，比2007年末增长160%，占涉农贷款的两成以上。

As an important part of agriculture loan,Peasant household loans scale in recent years steady growth.The CBRC statistics show,By the end of June 2012,Financial institutions peasant household loans balance is 3.484 trillion yuan,By the end of 2007 than 160% growth,Agriculture accounts for more than twenty percent of the loan.