2001年12月,农户小额信用贷款业务在全国范围内推广实施,作为信贷管理体制的一项重要改革制度,它受到社会各界的关注。农户小额信用贷款的推广实施,从信贷制度安排上为农民增收提供了支撑。农民贷款不再是难题,增收有了资金支持途径。但由于农业经济的脆弱性不不确定性决定着风险的客观存在,农业风险转化为贷款风险不可避免。 In December 2001, the micro-credit loan business of farmers was promoted and implemented across the country as an important reform system of the credit management system. It has attracted the attention of all sectors of society. The popularization and implementation of micro-credit loans by farmers has provided support to farmers’ income increase from the credit system arrangement. Farmer loans are no longer a problem, and there is a financial support for increasing income. However, because the uncertainty of agricultural economy determines the objective existence of risk, the transformation of agricultural risk into loan risk is inevitable.