小额信贷制度是国家为实行“三农”政策所大力推广的重要制度,推行农户小额信用贷款是人民银行和信用社贯彻货币政策促进农业增产、农民增收和农村经济的发展的重要举措,对我国经济特别是农村经济的发展具有重要的促进作用。 The microcredit system is an important system that the state vigorously promotes in order to implement the “three rural” policies. The implementation of microcredit loans for farmers is an important measure for PBC and credit cooperatives to implement monetary policies to promote agricultural production, rural incomes and rural economic development. It plays an important role in promoting the development of our country’s economy, especially the rural economy.