农户小额信贷自2002年在全国推广以来,为解决农户贷款难问题,支持农村经济发展,促进农民增收发挥了重要而积极的作用。受到广大农民的普遍欢迎。但几年过去,农户小额代投放渠道单一,支农资匮乏。贷款期限和限额不适应农村经济发展等问题陆续出现。农户小额信贷的进一步改革和创新势在必行。 Since the introduction of microfinance in 2002 across the country, microfinance has played an important and positive role in solving the problem of peasant household loans, supporting rural economic development and increasing farmers’ income. By the majority of farmers generally welcomed. However, over the past few years, small-scale generation households have put a single channel of investment and lack of agricultural resources. Loans deadlines and limits do not meet the rural economic development and other issues one after another. Further reform and innovation of rural microfinance is imperative.