积极寻求突破成本障碍、信息障碍、抵押物障碍的路径,构建政策、教育、信用环境等多层次的发展机制,创新金融机构体系,是目前解决小额农贷问题的关键农户贷款需求的满足程度低,是当前我国农户贷款面临的突出问题。相关资料显示,我国目前存在贷款有效需求的农户中,只有20%～30%能得到贷款,有的地方可能更低。关于农户贷款难的原因,目前社会上的主要观点可以归纳为三类。一是成本障碍。农户居住比较分散,贷款需求额度小,导致了农户贷款操作成本高。二是信息障碍。由 Actively seek breakthroughs in cost barriers, information barriers, collateral barriers to the path to build policy, education, credit environment and other multi-level development mechanism, innovation of financial institutions, the system is the key to solve the problem of small farmers to meet the needs of loan satisfaction Low, is currently outstanding problems facing China’s rural households loans. Relevant data show that in our country, there are only 20% -30% of the peasants who have effective demand for loans can get loans, and some places may be lower. On the reasons for the difficulty of peasant loans, the main points of view in the society can be summarized into three categories. First, cost barriers. Households live more scattered, loan demand is small, resulting in high operating costs of farmers loans. Second, information barriers. by