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被称之为农村金融领域“革命性变革”的农户小额信用贷款,多年来为解决农户贷款难问题、支持农村经济发展、促进农民增收发挥了重要而积极的作用。本世纪初,在人民银行指导下,江西省农村信用合作机构探索建立了“婺源模式”小额信用农贷,历经12载的实践和发展,这项金融创新已成为推动传统农业向现代农业转化、加快农民致富步伐不可缺少的重要资源。
For many years, the micro-credit loans of rural households called “revolutionary changes” in the field of rural finance have played an important and positive role in solving the difficult problem of rural households ’loans, supporting rural economic development and increasing farmers’ incomes. At the beginning of this century, under the guidance of the People’s Bank of China, Jiangxi Rural Credit Cooperatives explored the establishment and practice of “Wuyuan Model” and “Microcredit Loan”. After 12 years of practice and development, this financial innovation has become a new trend of promoting traditional agriculture to the modern Agricultural transformation, accelerate the pace of peasants to enrich essential resources.