小额信用贷款是用来满足农牧户从事简单种植业和养殖业生产的小额资金需求。为了适应大规模生产经营农牧户的资金需求,借鉴小额信贷的先进模式,2000年中国人民银行制定了《农村信用社农户联保贷款管理指导意见》,并开展农户联保贷款业务。2004年银监会颁布的《农村信用社农户联保贷款问题指引》对农户联保贷款的发展提供了政策依据。农户联保贷款业务作为一项提高低收入贫困农牧户信贷能力的金融政策,较好的适应了农牧户生产资金的需求特点。为了解贫困半农半牧区农村信用社农户联保贷款实施现状及其存在的问题,对内蒙古东部地区X旗的农户联保贷款开展情况进行了调查。在当地开展农户联保贷款业务已有十多年的历程,但发展速度缓慢,却难以达到预期目标。农村信用社在推行农户联保贷款过程中存在的问题,影响了农户联保贷款的正常发展,需要重视。 Microfinance loans are used to meet the small capital needs of farmers and herdsmen engaged in simple farming and aquaculture production. In order to meet the funding needs of large-scale production and operation of farmers and herdsmen, drawing on the advanced mode of microfinance, the People’s Bank of China in 2000 formulated the Guiding Opinions on the Management of Rural Credit Cooperatives and Guaranteed Loans and carried out the loan guarantee business for rural households. In 2004, the Guidance for Guaranty Loans for Rural Household Credit Cooperatives promulgated by China Banking Regulatory Commission provided the policy basis for the development of peasant household guaranteed loans. As a financial policy to improve the credit ability of low-income poor peasants and herdsmen, the peasant household guarantee loan business has better adapted to the demand characteristics of farmers and herdsmen’s production funds. In order to understand the status quo and existing problems of rural cooperative credit loans for rural credit cooperatives in semi-agricultural and semi-pastoral areas, this paper investigated the progress of the joint guarantee loans of farmers in X Banner in the eastern part of Inner Mongolia. It has been more than ten years since it started to carry out the loan guarantee business for peasants in the local area. However, it has been slow to develop but can not achieve the expected goal. The problems that rural credit cooperatives have in implementing the loan guarantee for peasant households affect the normal development of peasant household loan guarantees, which needs attention.