近年来 ,各地农村信用社紧紧围绕服务“三农”这一主线 ,不断加大支农投入 ,有力地支持了农业生产的发展、农村产业结构的调整和农民增收。但是 ,农村信用社信贷规模高速扩张的背后 ,有几个问题应引起高度重视。一是忽视农户经济档案的建立。农户小额贷款具有“额小、面广、量 In recent years, RCCs around the country have been focusing their attention on the main line of serving agriculture, rural areas and farmers and have continuously increased input in supporting agriculture. They have strongly supported the development of agricultural production, the adjustment of rural industrial structure and farmers’ income. However, behind the rapid expansion of the credit scale of rural credit cooperatives, there are several issues that should be given high priority. One is to neglect the establishment of economic files for farmers. Microfinance farmers with "a small amount, a wide range of volume