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农业银行房县支行自1998年6月接办扶贫专项贷款以来,对于小额信贷扶贫贷款采取了“双重立据,双重保险”的管理办法,即由乡镇产业办公室和农户分别立据,并由其双方保证偿还贷款。这一办法起初采取的是农行把贷款发放给各乡镇产业办公室,然后由各乡镇产业办公室发放到户;后来,房县农行发现个别乡镇贷款后有挪用现象后,又采取贷款发放给各乡镇产业办公室,资金先存人其帐户,暂不让其使用,由信贷人员随同乡镇产业办公室在贷款额度内分别到农户去立据,农户借据立好后拿手信贷二科审
Since Fang County Branch of Agricultural Bank of China took over the special loan for poverty alleviation in June 1998, it has adopted the management principle of “double legislation and double insurance” for poverty alleviation loans for microfinance, namely, And both parties guarantee repayment of the loan. This approach was initially taken by the Agricultural Bank of China to issue loans to all township industrial offices, and then by the township industrial offices to households; later, Fang County Agricultural Bank found that after individual township loans have misappropriated, they also take loans to all township industries Office, the first deposit of funds its account temporarily forbid its use by the credit officers along with the township industry office in the line of credit to the farmers to stand according to legislation, farmers take advantage of good credit after the two subjects