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从2002年开始,我国农村将全面实施中国人民银行发布的《农村信用合作社农户小额信用贷款管理指导意见》,增加对农户和农业生产的信贷投入,以此支持和推进我国农业及农村经济的全面发展。与其他农村贷款不同的是,农户小额信用贷款是农村信用社基于农户的信誉情况,在核定的额度和期限内向其发放的不需抵押、担保的贷款。因而,此举无疑简化了贷款手续,解除了农户的后顾之忧。
Since 2002, the rural areas in China will fully implement the Guiding Opinions on the Management of Microfinance Loans for Farmers in Rural Credit Cooperatives promulgated by the People’s Bank of China, and increase credit input to farmers and agricultural production so as to support and promote China’s agricultural and rural economy All-round development. Unlike other rural loans, rural household credit loans are unsecured and guaranteed loans issued by RCCs to rural credit cooperatives based on their creditworthiness, within the approved quotas and deadlines. Therefore, the move will undoubtedly simplify the loan procedures and relieve the worries of farmers.