Bet365 lotto review Research on a local experimental area，The implementation effect of the policy of financial benefits is not ideal.。Specific performance in: High institutional cost of cooperative finance，The competitive advantage is low; the farmers' housing asset transactions are difficult，The loan mortgage that can be used in their hands is poor; the mortgage method of interpersonal guarantee is contrary to social ethics，and obtaining loans based on personal credit also depends on the comprehensive construction of the information system。The systemic effect of these system conditions，"Inspired" the response of all parties to avoid risks，As a result, the bank created the phenomenon of coexistence of banks who dare not loans and lack money in farmers。Let a correct policy invalid，Still improvement system，Enhanced phase -integrated incentive，The cost of reducing the activity of the agricultural industry，Let the policy of benefiting farmers play a role，We are facing action selection。

　　Keywords:Agricultural Loan Loan the countryside financial benefits farmers' social policy and policy effect

　　AuthorZhang Jing，Professor of Sociology at Peking University (Beijing 100871)。