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随着新农村建设,国家惠农政策的实施和推进,尤其是十七届三中全会的召开,农村土地流转,林权改革、破解城乡二元结构、农村金融改革等配套措施将相继出台,农村改革发展迎来了新变化和新机遇。在新形势下,农村信用社服务“三农”也面临着新的契机和挑战。农户小额信用贷款是否具备可持续发展,是否能为“三农”提供长期、有效的信贷支持。本专题期望从农户小额信贷支农的成效、建立的品牌效应、出现的现实困境以及可持续性发展四个方面,来反映这一贷款品种在农村经济发展中的战略意义。
With the construction of a new countryside and the implementation of the national beneficiary policies, especially the convening of the Third Plenary Session of the 17th CPC Central Committee, supporting measures such as the transfer of rural land, the reform of forest rights, the dual structure of urban and rural areas and rural financial reform will all be introduced one after another, Rural reform and development ushered in new changes and new opportunities. Under the new situation, rural credit cooperatives serving the “three rural issues” are also facing new opportunities and challenges. Whether small-scale credit loans of farmers have sustainable development can provide long-term and effective credit support for “three rural” issues. The project expects to reflect the strategic significance of this loan variety in the rural economic development from four aspects: the effectiveness of rural micro-credit support agriculture, the brand effect established, the realistic dilemma emerging and the sustainable development.