“三农”问题的关键则是农村资金问题。在我国社会主义新农村建设中具有重要作用的主要是农村小额贷款。当前,我国农户小额信用贷款的发展还处于起步阶段,在农户小额信用贷款的发展过程中还存在着一些问题。本文针对这些问题,进行了客观分析并提出了解决的对策。 “Three Rural ” The key issue is the rural capital issue. In China’s socialist new countryside construction has an important role in the main rural micro-loans. At present, the development of China’s microfinance loans to farmers is still in its infancy. There are still some problems in the development of microfinance loans. In view of these problems, this article has carried on the objective analysis and proposed the solution countermeasure.