农村小额信用贷款是在党中央国家政府的指示下,以搞活农村经济为目的,提高农民农业外收入的重要惠农措施。在实施以来,惠及全国三十几个省市,近七亿人民受惠。但是,在实际操作的过程中,常常面临各种的问题,其中最突出的问题是无法保证贷款投入到有实际的需求的人手中,同时缺乏个人诚信资料,无法保证还贷率。这样就影响了这项措施的实际作用,也为农村信用社带来了坏账的危险。本文通过简单的探讨农村信用社在提供小额信用贷款时的种种问题,同时探讨如何解决这些问题,并保证以后的各项惠农政策的顺利实施。 Rural microcredit loans are an important measure to benefit peasants’ extra-agricultural income with the instruction of the Central Party Central Government to revitalize the rural economy. Since its implementation, nearly 70 million people have benefited from benefiting more than 30 provinces and cities nationwide. However, in actual operation, various problems often face. Among the most prominent problems are the inability to guarantee loans to people with real needs, lack of personal integrity and the failure to guarantee loan repayment rates. This has affected the practical effect of this measure and posed the risk of bad loans for rural credit unions. By simply discussing various problems of rural credit cooperatives in providing micro-credit loans, this article also discusses how to solve these problems and ensure the smooth implementation of various preferential agricultural policies in the future.