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农村信用社是主要为农业、农民和农村经济发展服务的社区性金融机构。为适应新时期农民和农村经济发展的需要,中国人民银行和农村信用社逐步探索形成了一套适合农村特点的小额信用贷款方式。这是我国农村信贷管理制度的重大改革,对解决农民贷款难、促进农民增加收入、改进信用
Rural Credit Cooperatives are community financial institutions that mainly serve agriculture, farmers and rural economic development. In order to meet the needs of the peasants and the rural economy in the new era, the People’s Bank of China and the RCC gradually explored and formed a set of microcredit loans suitable for rural areas. This is a major reform of China’s rural credit management system. It is very difficult to solve the problem of peasants ’loan-making, increase peasants’ income, and improve credit