摘 要
农村信用社开办农户小额信用贷款、创建信用村(镇)工作,简化了农民贷款手续,切实解决农民贷款难的问题,帮助农民解决了生产生活中的困难和问题,同时,也提高了农村信用社的经营效益,实现了“双赢”的目标,较好地发挥农村金融主力军的作用。但当前农村信用社在农户小额信用贷款中还存在一些问题,约束着农户小额信用贷款作用的进一步发挥,需要采取有效措施加以解决。本文阐述了农户小额信用贷款工作的重要性,分析了农户小额信用贷款工作中存在的问题,就做好农户小额信用贷款工作提出对策建议:优化农户信息资源,建立村贷款中心；充分发挥农村基层党支部、村委会的作用,提高农民信用度；严格执行农户小额信用贷款利率优惠政策；通过简化农民贷款手续,有效地维护农民群众的根本利益。
关键词：农村信用社；小额贷款；对策分析
Abstract
The rural credit cooperatives of small credit loans for farmers, create credit village (town), simplifies the farmer loan procedures, cogent solve farmer loan difficult problem, to help farmers solve the production life difficulties and problems, at the same time, but also improve the efficiency of the rural credit cooperatives, to achieve a ” win-win” target, better play to the role of main force in rural finance. But the current rural credit cooperatives in the small farmers credit also has some problems, a small farmers credit constraint functions, the need to take effective measures to solve the. This article elaborated the small farmers credit work importance, analyzed farmer small credit loan the problem that exists in the job, make farmer is small credit puts forward some countermeasures and suggestions: optimize farmer information resources, building the village loan center; give full play to the rural basic level Party branch, village role, improve farmer credit; strict implementation of farmer small credit loan interest rate preferential policy; by simplifying the farmer loan procedures, effectively safeguard the fundamental interests of the peasant masses.
Keywords: Rural credit cooperatives; Microfinance; Countermeasure analysis
目 录
一、绪论………………………………………………………………………………………………………….. 1
（二）国内外研究现状……………………………………………………………………………………….. 2
1、国外研究情况…………………………………………………………………………………………. 3
2、国内研究情况…………………………………………………………………………………………. 3
（三）研究方法………………………………………………………………………………………………… 4
1、调查法………………………………………………………………………………………………….. 4
2、历史分析与比较分析相结合………………………………………………………………………. 5
3、系统分析法……………………………………………………………………………………………. 5
二、我国农村信用社小额贷款的现状…………………………………………………………………….. 5
三、农村信用社小额贷款存在的问题及原因探析…………………………………………………….. 6
（二）农村信用社小额贷款存在的问题…………………………………………………………………. 6
1、日益扩大的信贷资金需求与信用社“惜金、慎贷”之间的矛盾……………………….. 6
2、难以摆脱政府的行政干预…………………………………………………………………………. 7
3、优化信用环境的长期性与现实性之间的矛盾………………………………………………… 8
（二）、农信社农户小额贷款发展问题原因探析………………………………………………………. 8
1、金融机构认为小额贷款无利可图………………………………………………………………… 8
2、政策缺失法律地位不健全…………………………………………………………………………. 9
3、农户小额信用贷款的……………………………………………………………………………….. 9
四、解决农村信用社农户小额贷款问题的对策………………………………………………………. 10
（一）延长贷款期限,适度调整贷款额度…………………………………………………………. 10
（二）适度放宽贷款范围…………………………………………………………………………….. 10
（三）建立小额贷款农户的预报信息,实施零距离服务………………………………………. 10
（四）提高信贷人员的素质…………………………………………………………………………. 11
（五）进一步严格农户资信评定机制…………………………………………………………….. 11
（六）政府提供政策性支持…………………………………………………………………………. 11
总结………………………………………………………………………………………………………………. 12
参考文献………………………………………………………………………………………………………… 12
致 谢……………………………………………………………………………………………………………. 13
