农户小额信用贷款存在问题调研报告

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
Rural credit cooperatives farmers microcredit is a kind of
system innovation of rural financial field, is the key to crack the Chinese peasant household loans problem, is one of the important capital supply channels for rural economic
development. Rural credit cooperatives as the mainstay of rural financial reforms to promote small loans, to the agricultural structure adjustment, increasing farmers’income, improving rural credit environment and the development of the local economy plays an important role. Only the rural credit
cooperatives take positive and effective measures to increase credit input to the farmers, utility and effective play to loans, can really improve and improve rural financial services, to support the development of rural economy. Rural credit cooperatives farmers microcredit loans, open to create the credit village work, good results have been achieved, but some problems still exist, such as: the risk in the loan, loan interest rates, credit strength is weak, the analysis of these problems, on the present situation of peasant household microfinance, which is common and important problem is analyzed and summarized, and according to the understanding of the
domestic policy put forward a series of countermeasures, so as to make the rural credit cooperatives small loans for better and more healthy development.。