党的十一届三中全会以来,农村全面推行以家庭为经营单位的联产承包责任制,经营主体单一,产业结构单一,经营规模比较小,农户对信贷资金的需求量也比较小,而服务于“三农”的农村信用社信贷管理的主要方式是:以信贷员为考核主体,以“三包”为主要内容的信贷管理模式。这对农村经 Since the Third Plenary Session of the Eleventh Central Committee of the Communist Party of China, the countryside has comprehensively implemented the system of contract-based contract responsibility for remuneration linked to production by family as its operating unit. With a single operating entity, a single industrial structure, and a relatively small scale of operation, farmers’ demand for credit funds is relatively small. The main ways of credit management of rural credit cooperatives serving “agriculture, rural areas and farmers” are as follows: a loan management model with loan officers as the main body and “Three Guarantees” as the main content. This is the rural economy