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开办农户小额信用贷款,是我国农村信贷管理制度的一项重大改革,是农村信用合作社为农民办实事的重要创举,它对于端正农村信用合作社经营方向、化解农民贷款难问题以及支持“三农”均发挥了积极作用。本文从农村经济资本支持分析以及传统的农村金融理论的范式转换入手,分析江西省农村信用社采取小额信用贷款的必要性,同时剖析其当前运行中暴露的严重缺陷,进而引发深入的思考。
It is an important reform of our country’s rural credit management system and an important initiative of rural credit cooperatives to do practical work for peasants. It is of great significance to correct the operation direction of rural credit cooperatives, solve the problem of peasants’ loan difficulties, and support the “three Farmers ”have played an active role. Based on the analysis of rural economic capital support and the paradigm shift of traditional rural finance theory, this paper analyzes the necessity of using rural credit cooperatives to take micro-credit loans in Jiangxi province and analyzes the serious defects exposed in current operation of rural credit cooperatives, which leads to deep thinking.