一、发放农户小额贷款的背景早在80年代中期,石河子垦区18个农牧团场农业就已实行大包干责任制,与农村信用社直接向农民发放贷款不同,由于当时金融体制等方面的原因,团场职工所需农业生产流动资金只能靠团场贷款解决:团场统一到银行贷款,团场用贷款购置各类生产资料,再以各种方式分配到承包职工,贷款到期由团场统一还本付息,这就是团场的“统贷统还”。在“拨改贷”初期,统贷统还是必要的,因为舍此没有第二种办法,当 First, the background of the issue of peasant household micro-loans As early as the mid-1980s, Shihezi reclamation area agriculture and animal husbandry in 18 farms have implemented a contract responsibility system, and rural credit cooperatives directly to farmers in different loans, due to the financial system at the time The reason for this is that the liquidity needed for agricultural production by the staff and workers in the field can only be solved by lending in the community: the unification of the field with the bank loans, the purchase of various types of production materials by the lending field and the distribution to contracted workers in various ways, Unified reunification of the interests of the field, which is the field of “corporate credit system.” At the initial stage of “reallocating loans to change loans,” the system of monopoly loans is still necessary because there is no second solution