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农户小额贷款是农村信用社结合农村产业结构调整，满足农户生产经营资金需求而适时推出的金融产品。为提高区域农户小额贷款运作效果，本文结合辖区调查情况进行实证分析，对小额贷款发放中面临难点和制约问题，从制度及政策层面进行探讨。一、当前农村信用社小额贷款发放中潜
Microfinance for rural households is a financial product launched by rural credit cooperatives in a timely manner in combination with the readjustment of rural industrial structure to meet the needs of farmers’ production and operation funds. In order to improve the effect of microfinance operation in regional farmers, this paper carries out an empirical analysis based on the survey of jurisdictions, and discusses the difficulties and constraints in the issue of microcredit, from the aspects of system and policy. First, the current rural credit cooperatives to issue small loans in the potential