农户扶贫贷款是由农业银行经办的一项政策性贷款业务,在农村面临着开办不下去的尴尬局面,而农户小额信用贷款是农村信用社开办的商业性信贷业务,却得到了健康、快速的发展。同样是面向广大农户的小额贷款,运用结果却大相径庭,其原因何在?笔者对安康市农户扶贫贷款、农户小额信用贷款开展情况进行了专题调查和对比分析。 Rural poverty alleviation loans is a policy-based loan business administered by Agricultural Bank of China. Faced with the embarrassing situation in rural areas, the rural household credit loans are commercial credit businesses run by rural credit cooperatives. However, rapid development. The same is for the majority of small loans to farmers, the use of results are very different, the reason why? The author of the Ankang peasants poor loans, farmers microfinance loans conducted a special investigation and comparative analysis of the situation.