编者按:前不久召开的中央扶贫开发工作会议,再次强调了扶贫到村到户,对近年来各地在实践中探索总结出的小额信贷等到村到户形式给予了充分肯定,这里刊出的文章介绍了河南省开展小额直贷的作法.这为我们因地制宜落实到村到户提供了一个新的视角。河南是全国扶贫任务较重的省份之 Editor’s note: The recently held Central Conference on Poverty Alleviation and Development held once again emphasized poverty alleviation to households in the village. In the past few years, various forms of micro-credit such as microfinance explored and concluded in practice have been fully affirmed here. This article introduces the practice of small direct loans in Henan Province, which provides a new perspective for us to implement measures to local conditions according to local conditions. Henan is one of the provinces with the heaviest poverty alleviation task in the country