农村小额贷款业务存在的问题及对策研究

Study on the Problems and Countermeasures of · Rural Micro-credit

农村小额贷款是向农村工商户及困难农户提供的金额较小的贷款，其在促使农户脱贫致富、促进和谐社会构建等方面发挥着重要作用。本文阐述了农村小额贷款的发展概况，分析了农村小额贷款业务存在的问题及形成的原因，并针对这些问题从农户、银行、政府等方面提出了合理化的对策建议。

Rural micro - credit is the amount of industrial and commercial units in rural areas and tanners m difficulty to provide small loans, prompting farmers to become prosperous, promoting the construction of har- monious society and play an important role. Article gives the general situation of the development of micro - credit, analysis of rural micro - credit business problem and cause of formation, and made the rationalization suggestion in those aspects from the farmers, banks and the government.