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近些年来,农村信用社在服务农村经济发展方面做出了较大的贡献,尤其是在激活农村金融资源,为农业产业发展提供信贷资金方面,更是发挥了领头羊的作用。在农户小额信贷方面,农村信用社在较短的时间内,取得了业务量的突破,一方面,支持了农户的生产发展,同时,也应该看到,农户小额信贷在业务质量、规范用途、信用管理等方面,面临着一些令人担忧的问题。本文主要是研究农信社农户小额信贷所面临的问题,并结合一些农村信用社的实际做法,提出了一些合理有效的对策措施。
In recent years, rural credit cooperatives have made great contributions in the service of rural economic development, and have played a leading role in activating rural financial resources and providing credit funds for the development of agricultural industry. In rural areas, microfinance, rural credit cooperatives in a relatively short period of time, has achieved a breakthrough in business volume, on the one hand, support the production of farmers, while also should see that the farmers microfinance in business quality, norms Use, credit management, etc., facing some worrisome problems. This paper mainly studies the problems faced by farmers in RCCs microcredit, and puts forward some reasonable and effective countermeasures based on the actual practices of some rural credit cooperatives.