小额农贷带来农村金融领域的重大变革——对山东省农村信用社小额农贷的调查与思考

• 作 者: 王进诚
• 机 构: 中国人民银行济南分行 副行长
• 出 处: 中国农村信用合作
• 发表日期: 2002年08期
• 关键词: 农村信用社 农村金融 贷款损失 农户小额贷款 农户贷款证 民间借贷行为 客户经理制 贷款质量 联户联保贷款 贷款营销

农村信用社的经营方向，事关农村信用社的发展和风险的化解，也是充分发挥其农村金融主力军和联系农民的金融纽带作用、更好地支持“三农”发展的核心问题。１９９８年以来，山东省农村信用社推广普及了小额农户贷款，取得了农村信用社和农村经济共同发展的好效果，也给农村金

The operation direction of rural credit cooperatives is related to the development of rural credit cooperatives and the resolution of risks. It is also the core issue of giving full play to its financial backbone of rural financial forces and linking peasants to better support the development of agriculture, rural areas and farmers. Since 1998, the rural credit cooperatives in Shandong Province have popularized and popularized the loans of small-scale farmers and achieved good results in the joint development of rural credit cooperatives and rural economy. Rural credit cooperatives have also given rural gold