主持人:农户小额信用贷款是在核定的额度和期限内向农户发放的不需抵押、担保的贷款。它是近年来在农村信用社金融服务方面形成的颇有号召力的两大品牌之一,也是受到广大农户欢迎的贷款形式,它的推行对广大农村、特别是中西部农村薄弱地区的经济发展起到了不可替代的作用。本刊请来专家和一些农信社基层实或者,各方直抒己见,力图从理论联系实际的角度对农户小额信用贷款进行一些探索,以期对目前实践中出现的新问题、新思路进行较为深刻的解读——主持人:目前我国农户小额信用贷款发展到一个什么样的局面?王家传(山东农业大学博导):农户 Moderator: Farmer’s small-sum credit loan is the unsecured and guaranteed loan issued to farmers within the approved quota and term. It is one of the two major brands formed by RCCs’ financial services in recent years. It is also a form of loans that are welcomed by a large number of farmers. Its implementation has greatly affected the economic development in vast rural areas, especially in the rural areas in the central and western regions Played an irreplaceable role. Our experts and some rural credit cooperatives come to the grass-roots level or directly express their opinions, and try to make some exploration on the small-sum credit loans of rural households from the perspective of theory and practice in order to make more new problems and new ideas in current practice Profound Interpretation - Moderator: At present, China’s rural micro-credit loans to the development of what kind of situation? Wang Jia Chuan (Shandong Agricultural University, doctoral): farmers