在经济学理论基础上,通过实证检验剖析杨凌农村信用社小额信贷业务的绩效水平和运行效率,给我国小额信贷的研究和发展以启示;继而对杨凌小额信贷业务进行阐述说明,找出制约其发展的内外部原因并为杨凌农信社农户小额信贷的发展提出相关政策建议。 On the basis of economic theory, this paper analyzes the performance level and operational efficiency of the microfinance business in Yangling rural credit cooperatives through empirical tests, and gives inspiration to the research and development of microfinance in our country. Then it elaborates on Yangling’s microfinance business, Out of its internal and external constraints of development and for the development of rural credit cooperatives Yangling farmers microfinance policy recommendations.