一、解决好小额信用放款存在内生性矛盾。目前 ,农户小额信用贷款发放存在深层次矛盾 ,一是信用放款必然有损失 ,而人民银行要求信用社所放小额信用贷款必须到期如数收回。二是信用联社采取的是第一责任人制度 ,谁放款谁终身负责 ,同时又没有有效的激励机制 ,责权利不平衡 ,实 First, there are endogenous contradictions in resolving small credit loans. At present, there are deep-seated contradictions in the distribution of micro-credit loans for farmers. First, credit lending inevitably has a loss. The People’s Bank of China requires that small credit loans put by credit unions must be withdrawn due to maturity. Second, the credit union takes the first responsibility system, who lend who is responsible for life, at the same time there is no effective incentive mechanism, the rights and interests of the imbalance between the real