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农户小额信用贷款在我国新农村建设中具有重要作用,发展农户小额信用贷款能够有效的缓解农户贷款难和信用社难贷款的问题,从而实现农户与农村信用社双赢。针对农村经济发展新的形势,文章以陕西三原县农户小额信用贷款为例,分析农户小额贷款运行特征和现状,探讨存在的问题,依此提出相应的对策建议。
The micro-credit of farmers plays an important role in the construction of new countryside in our country. Developing micro-credit of farmers can effectively alleviate the problem of difficult loans for farmers and difficult loan for credit cooperatives, so as to achieve a win-win situation for farmers and rural credit cooperatives. In the light of the new situation of rural economic development, this paper takes the micro-credit loan of farmers in Sanyuan County of Shaanxi Province as an example to analyze the characteristics and current situation of micro-loan operation of farmers and explore the existing problems, and put forward corresponding countermeasures and suggestions accordingly.