经过三年的实践,小额农贷拥有过推广之初的酣畅、全面实施的快速发展,但小额农贷同样面临可持续发展的矛盾和困惑。从万年县信用社小额农贷发放情况看,小额农贷已呈逐年下降趋势,小额农贷后劲不足已是不争事实。一、小额农贷出现的较大风险影响了小额农贷的可持续发展据调查,截 After three years of practice, small-scale agricultural loans have enjoyed a smooth and comprehensive implementation at a very early stage of promotion. However, small-scale agricultural loans are also facing the contradictions and perplexities of sustainable development. Judging from the situation of small-scale rural credit loans issued by Wannian County Credit Cooperatives, the small-amount rural credit loans have been declining year by year. It is an indisputable fact that the small-sum rural credit loans have not had enough staying power. First, the larger risks of small-scale agricultural loans have affected the sustainable development of small-scale agricultural loans According to the survey, the cut