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AbstractTheruralcreditcooperativesofsmallcreditloansforfarmers,createcreditvillage(town),simplifiesthefarmerloanprocedures,cogentsolvefarmerloandifficultproblem,tohelpfarmerssolvetheproductionlifedifficultiesandproblems,atthesametime,butalsoimprovetheefficiencyoftheruralcreditcooperatives,toachievea"win-win"target,betterplaytotheroleofmainforceinruralfinance.Butthecurrentruralcreditcooperativesinthesmallfarmerscreditalsohassomeproblems,asmallfarmerscreditconstraintfunctions,theneedtotakeeffectivemeasurestosolvethe.Thisarticleelaboratedthesmallfarmerscreditworkimportance,analyzedfarmersmallcreditloantheproblemthatexistsinthejob,makefarmerissmallcreditputsforwardsomecountermeasuresandsuggestions:optimizefarmerinformationresources,buildingthevillageloancenter;givefullplaytotheruralbasiclevelPartybranch,villagerole,improvefarmercredit;strictimplementationoffarmersmallcreditloaninterestratepreferentialpolicy;bysimplifyingthefarmerloanprocedures,effectivelysafeguardthefundamentalinterestsofthepeasantmasses.Keywords:Ruralcreditcooperatives;Microfinance;Countermeasureanalysis目录一、绪论..........................................................................................................................................1（二）国内外研究现状...................................................................................................................21、国外研究情况.....................................................................................................................32、国内研究情况.....................................................................................................................3（三）研究方法...............................................................................................................................41、调查法................................................................................................................................42、历史分析与比较分析相结合.............................................................................................53、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.......................................................................................61、日益扩大的信贷资金需求与信用社“惜金、慎贷”之间的矛盾.................................62、难以摆脱政府的行政干预...............
