今年两会又一次涉及到农村金融问题,把“三农”始终放在突出位置。近年来,农信社的小额信贷发展迅速,在支农、扶贫方面发挥了重要力量。但是,我国农信社农户小额信贷在迅速发展的同时,也存在着一些让人着实担忧的问题,阻碍小额信贷业务的良性循环,影响农信社的可持续发展。本文通过一系列数据进一步研究农信社农户小额信贷所面临的问题,并有针对突出的问题提出相应的对策。 This year, the two sides have once again been involved in rural financial issues and have always placed “three issues of agriculture and peasants” in a prominent position. In recent years, the RCCs’ microfinance has developed rapidly and has played an important role in supporting agriculture and alleviating poverty. However, at the same time of the rapid development of China’s rural credit cooperatives, rural microfinance has some real concerns, which hinder the virtuous circle of microfinance business and affect the sustainable development of rural credit cooperatives. This article through a series of data to further study the problems faced by rural credit cooperatives farmers microfinance, and have put forward corresponding countermeasures for the prominent problems.