一、小额信贷不是权宜之计，而是“长久之策”。推行小额信贷是信用社实践“三个代表”重要思想的创举。有的人认为这是应时文章，而非长久之策。实际上，小额信贷使信用社端正经营方向，转换经营机制，改进金融服务，密切社农联系，在实现农民增收与体现服务宗旨上，找到了“? First, microfinance is not an expedient measure, but a “long-term solution.” The implementation of microcredit is the pioneering work of the credit cooperatives in implementing the important thinking of the ’Three Represents.’ Some people think this is a timely article, not a long-term solution. In fact, the micro-credit has enabled the credit cooperatives to rectify the operation direction, change the operating mechanism, improve the financial service, and make close contact with the social-agricultural sector.