推进农业银行农户小额信贷发展的策略研究

The Strategy Researh of Improve Agricultural Bank Peasant Household Small Credit Develepment

农业银行发展农户小额信贷,是发展现代农业,建设社会主义新农村,完成小康社会建设中必须解决的重大课题。推进农业银行农户小额信贷发展,需要准确定位小额信贷业务、完善小额信贷制度;建立良好的信用环境,增强农户合作意识;组建信贷员队伍、完善激励机制;放开利率管制,发挥市场作用;完善风险评估体系,构建风险管理体系等策略。

The Agricultural Bank develops small credit of peasant household , is to develop modem agriculture , builds new rural area of socialism, accomplishes key subjects well-to-do society construction must solve as being hit by. The small credit pushing forward the Agricultural Bank peasant household develops , needs accurate localized small credit business, small perfect credit system; Build the fine credit environment, strengthen peasant household cooperation mental consciousness; Form the credit member team, perfect incentive mechanism; Lift the control over interest rate controlling, bring market forces into play; Tactics such as perfecting risk estimate that system, structuring risk administrative system.