目 录
内容摘要···························································2
一、农村信用社开展小额信贷的必要性···································3
二、农村信用社 开展小额信贷的重要意义································3
三、农村信用社在小额信贷上的服务现状·································4
四、我市农信社在小额信贷方面的具体情况·······························4
五、开展小额信贷重大成就和实际效果···································5
(一)农户小额信用贷款是我国农村信贷管理制度的重大改革················6
(二)开展农户小额信贷是实践“三个代表”重要思想的很好体现··············6
(三)农户小额信用贷款的推行，极大促进了农村信用社自身业务的健康发展···7
六、目前小额信贷存在的问题及建议·····································7
(一)进一步提高认识，增强工作的自觉性。································7
(二)健全完善农户小额贷款的资金供给机制。·····························8
(三)逐步建立完善农户征信体系。·······································8
(四)进一步完善信贷服务网络。·········································8
(五)理顺农户小额信用贷款的外部政策环境。·····························8
参考文献····························································9
内 容 摘 要
农村信用社是主要为农业、农民和农村经济发展服务的社区性金融机构。为适应新时期农民和农村经济发展的需要，中国人民银行和农村信用社逐步探索形成了一套适合农村特点的小额信用贷款方式和联户担保贷款方式。这是我国农村信贷管理制度的重大改革，对解决农民贷款难、促进农民增加收入、改进信用社业务经营发挥了重要作用。本文对农村信用社开展农户小额信用贷款的必要性、重要意义，以及农村信用社在小额信贷方面的服务现状及具体情况做了深入研究，对目前小额信贷存在的问题做了认真分析，并提出了相关建议。
