农户小额信用贷款存在问题调研报告.pdf

农户小额信用贷款存在问题调研报告

篇一：农村信用社农户小额贷款存在问题及对策

本科毕业设计论文

题目农村信用社农户小额贷款存在问题及

系别

专业

班级

学生姓名

指导老师

本科毕业设计（论文）任务书

摘要

农村信用社作为农村金融改革中推广小额贷款的主力军，对于促进农业结构

调整和农民增收，改善农村信用环境，发展地方经济起到了积极的作用。只有各

级农村信用社采取有效措施，增加对农户的信贷投入并保证贷款效用的有效发

挥，才能真正意义上改善和提高农村金融服务，支持地方经济的发展。农村信用

社开办农户小额信用贷款、创建信用村(镇)工作，取得了较好的效果，但还存在

着一些问题。本文就这些问题进行分析，并就如何做好农户小额信用贷款发放工

作提出对策建议。

关键词：农村信用社小额贷款农户

ABSTRACT

Ruralcreditcooperativesfarmersmicrocreditisakindof

systeminnovationofruralfinancialfield,isthekeytocrackthe

Chinesepeasanthouseholdloansproblem,isoneoftheimportantcapital

supplychannelsforruraleconomic

development.Ruralcreditcooperativesasthemainstayofrural

financialreformstopromotesmallloans,totheagriculturalstructure

adjustment,increasingfarmers’income,improvingruralcredit

1/7

environmentandthedevelopmentofthelocaleconomyplaysanimportant

role.Onlytheruralcredit

cooperativestakepositiveandeffectivemeasurestoincreasecredit

inputtothefarmers,utilityandeffectiveplaytoloans,canreally

improveandimproveruralfinancialservices,tosupportthedevelopment

ofruraleconomy.Ruralcreditcooperativesfarmersmicrocreditloans,

opentocreatethecreditvillagework,goodresultshavebeenachieved,

butsomeproblemsstillexist,suchas:theriskintheloan,loaninterest

rates,creditstrengthisweak,theanalysisoftheseproblems,onthe

presentsituationofpeasanthouseholdmicrofinance,whichiscommonand

importantproblemisanalyzedandsummarized,andaccordingtothe

understandingofthe

domesticpolicyputforwardaseriesofcountermeasures,soastomake

theruralcreditcooperativessmallloansforbetterandmorehealthy

development.

Keywords:Ruralcreditcooperatives,smallloans,creditvillage

篇二：浅谈农户小额贷款调查报告