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海南省农村信用社联合社以廉洁放贷和公开办贷为切入点探索小额信贷机制建设,对外培育农民诚信意识,对内加强信贷员廉洁管理,营造出较好的融资信贷环境,有效破解了农民融资难题,实现农民与银行共赢式发展。成立7年来,海南农信联社为农民发放农户小额贷款183.4亿元,惠及农户67.65万户,约占海南农户的56.7%,不良贷款率仅为3%。我国既存在农民融资难问题,同时
Hainan Rural Credit Cooperatives explored the construction of microcredit mechanism with clean lending and public lending as the starting point, cultivating farmers’ honesty and trust, strengthening internal management of credit officers and establishing a better environment for financing and credit, effectively cracking down Farmers financing problems, to achieve a win-win development of farmers and banks. In the 7 years since its establishment, Hainan Rural Credit Cooperatives has distributed 18.44 billion yuan of small loans to farmers, benefiting 667,500 farmers, accounting for 56.7% of Hainan’s farmer households. The non-performing loan ratio is only 3%. In our country, there are not only problems of peasants financing difficulties, at the same time