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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。然而,伴随社会主义新农村建设的深入开展,各地小额信贷运行管理却出现了一些不协调的现象和问题,如农村小额信贷风险较高与农信社逐利避险的矛盾、小额贷款高
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. However, along with the further development of new socialist rural areas, there have been some uncoordinated phenomena and problems in the operation and management of micro-credit throughout the country, such as the contradiction between the high risk of rural micro-credit and the risk-taking of rural credit cooperatives, Loans high