当前，推广农户小额信用贷款工作已成为全国各地农村信用社的中心任务之一，然而，这种国家政策导向下的金融产品创新在资源配置上是否具有经济效率，能否确保获得较好收益，并有效控制风险，已成为人民银行和农村信用社必须面对的课题。产品特点：农村资金要素的信贷配置手段 At present, the promotion of rural household micro-credit loans has become one of the central tasks of rural credit cooperatives all over the country. However, whether such financial product innovation guided by national policies is economically efficient in resource allocation can ensure better returns , And effective control of risks has become a subject that the People’s Bank of China and rural credit cooperatives must face. Features: Credit allocation of rural capital elements