针对农户的小额信用贷款以其“手续简便、无抵押、无担保”等特点，一经推出就受到了广大农民的欢迎，目前已逐渐成为农村信用社服务于“三农”的主要方式。在总结过去几年全国农户小额贷款发放经验的基础上，中国人民银行于2001年底发布了《农村信用合作社农户小额信用贷款管 With its characteristics of “simple procedure, unsecured and unsecured”, the micro-credit loans to farmers have been welcomed by the majority of peasants once they are launched. Nowadays, they have gradually become the main mode in which rural credit cooperatives serve the “three rural” issues. On the basis of summing up the experiences of issuing micro-loans to farmers across the country in the past few years, the People’s Bank of China released at the end of 2001 "The Rural Credit Cooperatives’