一、农户小额信贷的现状分析农村信用社因农而生,因农而改,积极响应和贯彻国家支农、惠农政策,于2001年推出农户小额信用贷款,旨在支持农业和农村经济建设,其具有手续便捷、条件宽缓、免除抵押、利率优惠的特点,深受广大农民群众的欢迎。小额信贷的做法在实践中也确实给不少农户解决了融资问题, I. Analysis of Status Quo of Rural Households’ Microcredit RCCs emerged from their livelihoods as a result of farming and responded positively to and implemented the state’s policy of supporting agriculture and benefiting farmers. In 2001, rural credit cooperatives launched microfinance loans aimed at supporting agriculture and rural areas Economic construction, which has the features of convenient procedures, lenient conditions, exemption of mortgages and favorable interest rates, has been well received by peasants and masses. In practice, the practice of microcredit does indeed solve the financing problem for many peasants,