农村信用社作为直接为农业、农民和农村经济提供信贷服务的农村合作金融组织,如何既真正承担起为“三农”提供全方位信贷服务的重任,又能使农村信用社的信贷资产实现良性循环,是一个值得探究的问题。近两年来,河南省农村信用社在积极推广小额农户贷款的基础上,实施“五户联保” As a rural cooperative financial organization that provides credit services directly to agriculture, peasants and rural economy, how can rural credit cooperatives truly undertake the important task of providing comprehensive credit services for “agriculture, rural areas and farmers” and make the credit assets of rural credit cooperatives sound? Loop, is a question worth exploring. In the past two years, Henan Rural Credit Cooperatives, on the basis of actively promoting the loans of small-scale farmers, implemented the “Five Joint Guarantee”