农户小额信用贷款是我国逐步探索而成的一套适合农村特点的贷款方式,是我国农村信贷管理制度的重大改革。它的普遍推广,对解决农民贷款难、促进农民增收、调整农业产业结构、改进农村金融机构的经营等方面发挥了重要的作用,也是落实科学发展观、建设社会主义新农村的重要举措。为了进一步了解农户小额信用贷款在和田地区兵团农十四师的推广情况,和田银监分局课题组对和田地区兵团农户小额信用贷款进行了深入调查,并对在变革与转型中,怎样进一步促进金融机构为兵团广大农牧民服务;银行(信用社)、兵团、农牧民如何实现“三赢”;农户小额信用贷款如何适应兵团体制改革 Microfinance loans for farmers are a set of loans that are gradually explored in our country and are suitable for rural areas. They are a major reform of China’s rural credit management system. Its universal promotion has played an important role in resolving the problem of peasants ’loan difficulties, boosting farmers’ income, adjusting the structure of agricultural industry, and improving the operation of rural financial institutions. It is also an important measure for implementing the scientific concept of development and building a new socialist countryside. In order to further understand the promotion of fourteen divisions of fiancun farmers in Hetian by micro-credit loans from farmers in Hetian, the research group at Hetian Banking Branch conducted an in-depth investigation into the microcredit loans of FMCG farmers in Hetian and discussed further in the process of transformation and transformation Promote financial institutions to serve the herdsmen’s herdsmen and herdsmen; how banks (credit cooperatives), corps and peasants and herdsmen can achieve “three wins”; how can peasant household’s microfinance adapt to the reform of the corps