农村信用社推进农户小额信贷问题思考

信用合作社作为我国农村重要的金融机构，是农村小额信用贷款的主要供给者，近几年来，农村信用合作社农户小额信用贷款业务成功运行不仅使其成为农村信用合作社发展的现实选择，而且成为广大农户脱贫致富的法宝。其对我国农村经济发展带来了积极的影响，促进了农村经济的腾飞，但同时农村信用合作社在发放农户小额信贷的过程中仍然面临多方面的困难。本文通过阐述农村小额信用贷款的发展、必要性、在实施过程中所面临的风险及相关问题，提出解决这些矛盾的出路在于探索科学的运行机制，构建完善的制度保障和提供有效的政策支持。同时引入一种在我国经济发展水平下的新型的信贷资金运作模式，积极地为农村信用合作社解决信贷“瓶颈”寻找到新的出路。

关键词：农村信用合作社；小额信贷 ；合规文化建设

Rural credit cooperatives the question of the farmers think

ABSTRACT

Rural credit cooperatives as an important financial institution, is the main provider of microcredit in rural areas in recent years, rural credit cooperatives to run a successful business Microfinance is not only the development of rural credit cooperatives to become a realistic choice, but a majority of farmerseliminate poverty and magic.Its on the Rural Economic Development positive promote the rural economy to take off, but the process of granting loans in rural credit cooperatives still face many difficulties.This paper explains the development of rural micro-credit loans, necessity, in the implementation process risks and related issues to analysis to resolve these contradiction mechanism,setting up comprehensive system to protect and provide effective policy support.Also introduce a level of economic development in China under the new mode of operation of credit funds for rural credit cooperatives credit "bottleneck" to find a new way out.

Keywords：Rural credit cooperatives microcredit; micro-finance;compliance culture construction

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