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如何才能打破“小额农贷”的困局?出路就在于卸下其“政策”的重负,具体操作可借鉴下岗失业人员小额担保贷款的经营模式。农户小额信用贷款(以下简称“小额农贷”)作为农村金融机构扶助“三农”而推出的一个信贷品牌,深受广大农民群众的欢迎。但是,在经历了一个时期的发展之后,目前“小额农贷”却正在面临发展的困境,在不少地方,这项业务正在萎缩。
How can we break the dilemma of “small-scale agricultural loans”? The way out is to unload its “policy” burden, and the specific operation can learn from the mode of operation of the micro-secured loans of laid-off and unemployed people. As a credit brand launched by rural financial institutions to support “agriculture, rural areas and farmers”, the micro-credit loans of rural households (hereinafter referred to as “micro-agricultural loans”) are well received by farmers. However, after a period of development, the current “small-sum agricultural loans” are facing the dilemma of development. In many places, the business is shrinking.