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农户联保贷款具有自动瞄准、互相监督、还款共生和培训互助等独特的制度优势。但是,农户联保贷款在我国还存在着排除最贫困农户、小组组建困难、道德风险大和贷款过程繁杂等缺陷。我国应在贷款对象、信用环境、联保小组数量等方面加以完善与改进。
The peasant household guarantee loan has the unique institutional advantages of automatic targeting, mutual supervision, repayment symbiosis and training mutual aid. However, there are still some shortcomings in our country, such as removing the poorest peasant households, setting up a small group, large moral hazard and complicated loan procedures. Our country should improve and improve the loan object, credit environment and the number of UNPROFOR teams.