近几年,农户小额信用贷款蓬勃发展,而农户联保贷款却表现出了“英雄无用武之地”的无奈,在贷款增量和存量上都呈现出了“固步不前”的趋势,有的甚至出现了“暴减”局面,这在经济欠发达地区表现尤为突出。该业务“叫好不叫座”的现象说明,农户联保贷 In recent years, the micro-credit loans of rural households have been booming. However, the loan guarantees of peasant households have shown the helplessness of “heroes have no use” and have shown “no support” in loan increment and stock. “, And some even appeared in the” storm reduction “situation, which was particularly prominent in economically underdeveloped areas. The business ”applauded " phenomenon shows that peasant household insurance loan