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小组联保贷款是指在同一社区内,由无直系亲属关系的５—１０人自愿组合,共同相互联保,组成项目小组,作为贷款对象向信用社集体申请个人贷款的一种联保互助形式。实施小组联保贷款的效果明显:一是解决了无法提供财产实物担保和抵押的贫困农户借款难的问题,给贫困农户提供了利用?
Group secured loans refers to the same community, from no direct relatives of 5-10 voluntary combination of common mutual insurance, the formation of the project team as a loan object to the collective credit cooperatives to apply for personal loans in a form of mutual insurance . The effect of implementing the group guaranteed loans is obvious: First, it solves the problem of the difficulty of borrowing for poor peasants unable to provide the real property guarantee and mortgage, and provides the poor peasants with the utilization?