评级方式的动态管理农信社在开办农户小额信用贷款时,主要按照是否成为农信社社员、过去贷款本息按时清偿程度、家庭生产经营年收入、自有资金占生产所需资金的比例等四项条件来评定为一、二、三级信用等级户,并按等级给予不同的贷款授信额度。这种办法是开办初期采取的一个措 Dynamic Management of Rating Methods When RCCs launch small-value credit loans for farmers, they mainly depend on whether RCCs become members of RCCs, on-time payment of principal and interest of loans in the past, annual income from family production and operation, and the proportion of self-owned funds to the funds needed for production Four conditions to be assessed as one, two, three credit rating households, and graded according to different credit lines. This approach is to start a measure taken