农户小额信用贷款是指农村信用杜基于农户的信誉在核定额度和期限内向农户发放不需担保的贷款。其目的是支持农业和农村经济发展,提高农村信用社贷款服务水平;加大对农户和农业生产贷款投放、增加农民收入;简化贷款手续,解决农民贷款难的问题。 Small household credit refers to the rural credit Du based on the credibility of farmers within the approved line and period of loans to farmers without guarantee. Its purpose is to support the development of agriculture and rural economy and improve the loan service level of rural credit cooperatives; to increase the loans to farmers and agricultural production and increase the incomes of peasants; to simplify the loan procedures and solve the problem of peasants’ loan difficulties.