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西山区地处云南省昆明市城郊,既有山区,又有坝区,地方经济发展不平衡,农作物种植单一。为了促进西山区经济的可持续发展,西山区农村信用社积极与地方政府合作,在碧鸡信用社试点推广小额农户信用贷款。从2002年8月开始办理小额农贷以来,采取“一次核定、随用随贷、余额控制、周转使用”的授信管理模式,扎根农村,面向农业,服务农民,
Xishan District is located in the outskirts of Kunming City, Yunnan Province, both mountainous areas, there are dam areas, local economic development is not balanced, planting a single crop. In order to promote the sustainable economic development in Xishan District, Xishan District Rural Credit Cooperative actively cooperated with local governments and piloted the credit extension for small-scale farmers in Biji Credit Cooperatives. Since it started to handle small-sum agricultural loans in August 2002, it has adopted the credit management mode of “checking once, using loans, controlling balances and using revolving funds” and has taken root in rural areas, oriented agriculture, and served peasants.