agricultural loan; agricultural credit

简明释义

农贷

英英释义

例句

1.Many farmers face challenges in accessing agricultural credit 农业信贷 due to high interest rates.

由于高利率，许多农民在获得农业信贷 农业信贷方面面临挑战。

2.To expand his farm, he applied for an agricultural loan 农业贷款 from the local bank.

为了扩大他的农场，他向当地银行申请了农业贷款 农业贷款。

3.Farmers often rely on agricultural loans 农业贷款 to purchase new equipment.

农民通常依靠农业贷款 农业贷款来购买新设备。

4.The cooperative provides agricultural loans 农业贷款 with lower interest rates for its members.

这个合作社为其成员提供低利率的农业贷款 农业贷款。

5.The government offers agricultural credit 农业信贷 programs to support small farmers.

政府提供农业信贷 农业信贷项目以支持小农户。

作文

Agriculture plays a crucial role in the economy of many countries, providing food, employment, and raw materials for various industries. However, farmers often face challenges in financing their operations, which is where agricultural loan (农业贷款) and agricultural credit (农业信贷) come into play. These financial tools are essential for ensuring that farmers can invest in their crops, livestock, and equipment, ultimately leading to increased productivity and sustainability in the agricultural sector.A agricultural loan is a specific type of loan designed for farmers and agricultural businesses. It allows them to borrow money to cover expenses such as purchasing seeds, fertilizers, machinery, or even land. These loans can be short-term or long-term, depending on the needs of the borrower. For instance, a farmer may need a short-term loan to buy seeds before planting season, while a long-term loan may be necessary for purchasing expensive machinery that will be used for several years.On the other hand, agricultural credit refers to the broader concept of credit available to those involved in agriculture. This includes not only loans but also lines of credit and other financial products that help farmers manage their cash flow throughout the year. Access to agricultural credit is vital, especially during times of economic uncertainty or natural disasters, when farmers might struggle to maintain their operations without additional financial support.The availability of agricultural loans and agricultural credit can significantly impact a farmer's ability to succeed. For example, a farmer who has access to these financial resources can invest in better farming techniques, adopt new technologies, and improve the quality of their produce. This, in turn, can lead to higher yields and increased income, allowing them to reinvest in their business and contribute to the local economy.Moreover, government programs and financial institutions often provide special agricultural loans with lower interest rates or favorable repayment terms to encourage agricultural development. These initiatives aim to support smallholder farmers and promote sustainable practices in agriculture. By facilitating access to agricultural credit, governments can help ensure food security and boost rural development.However, it is important to note that not all farmers have equal access to agricultural loans and agricultural credit. Factors such as credit history, collateral, and market conditions can affect a farmer's ability to secure financing. Therefore, it is essential for policymakers to address these disparities and create an inclusive financial environment that supports all farmers, particularly those from marginalized communities.In conclusion, agricultural loans and agricultural credit are vital components of the agricultural ecosystem. They provide the necessary financial support for farmers to thrive and contribute to the economy. As we move forward, it is crucial to ensure that these financial resources are accessible to all farmers, enabling them to innovate, grow, and sustain their livelihoods. By doing so, we can foster a more resilient agricultural sector that can withstand challenges and continue to feed the growing global population.

农业在许多国家的经济中发挥着至关重要的作用，为人们提供食物、就业和各种行业所需的原材料。然而，农民在融资运营方面常常面临挑战，这就是农业贷款和农业信贷发挥作用的地方。这些金融工具对于确保农民能够投资于作物、牲畜和设备至关重要，从而最终提高农业部门的生产力和可持续性。农业贷款是一种专门为农民和农业企业设计的贷款。它允许他们借款以支付购买种子、肥料、机械甚至土地等费用。这些贷款可以是短期或长期的，具体取决于借款人的需求。例如，农民可能需要短期贷款来在种植季节之前购买种子，而长期贷款可能是购买将使用多年的昂贵机械所必需的。另一方面，农业信贷指的是可供农业从业者使用的更广泛的信贷概念。这不仅包括贷款，还包括信用额度和其他金融产品，帮助农民在一年中管理现金流。在经济不确定时期或自然灾害期间，获取农业信贷尤为重要，因为此时农民可能难以在没有额外财务支持的情况下维持运营。农业贷款和农业信贷的可用性对农民的成功能力产生了重大影响。例如，能够获得这些金融资源的农民可以投资于更好的农业技术、采用新技术并改善其产品质量。这反过来又可以导致更高的产量和增加的收入，使他们能够重新投资于自己的业务并为当地经济做出贡献。此外，政府项目和金融机构通常提供特定的农业贷款，以较低的利率或优惠的还款条件来鼓励农业发展。这些举措旨在支持小农户并促进农业的可持续实践。通过便利获取农业信贷，政府可以帮助确保粮食安全并促进农村发展。然而，需要注意的是，并非所有农民都能平等地获得农业贷款和农业信贷。信用记录、抵押品和市场条件等因素可能会影响农民获得融资的能力。因此，政策制定者必须解决这些差异，创造一个包容性的金融环境，以支持所有农民，特别是来自边缘化社区的农民。总之，农业贷款和农业信贷是农业生态系统的重要组成部分。它们为农民的繁荣和对经济的贡献提供必要的财政支持。展望未来，确保所有农民都能获得这些金融资源，使他们能够创新、成长和维持生计至关重要。通过这样做，我们可以培育一个更具韧性的农业部门，使其能够抵御挑战，并继续养活日益增长的全球人口。