农村小额贷款是制约山区农行加快发展的一大障碍,积极退出农村小额信贷市场是商业银行快速发展的必然选择,然而,选择何种退出方式,是摆在我们面前的一大难题。为此,笔者针对罗田支行情况,就农村小额贷款的分布现状,形成原因,影响清收消户的主要因素及清收小额农户贷款情况进行了实地调查。一、农村小额贷款现状及原因自1982年农村实行承包责任制后,农村集体及农户贷款在行社脱钩、发行分设过程中,债权关系发生几次变化,形成分布广、笔数多、金额小、质量差的现状。就罗田而言,截止2002年末,全县12个乡镇共积欠农行村组集体及农户贷款32944笔,金额2976万元,分别占该行当期总贷款笔数和金额的85.1%、4.7%。 (一)从贷款分布范围看:全县12个乡镇,415个行政村,13.7%万个农户,有415个村欠农贷,占100%,其中有288个村欠集体农贷,占总村数的69%,距 Rural microfinance is a major obstacle to accelerating the development of rural agricultural banks in mountainous areas. Actively withdrawing from the rural microfinance market is an inevitable choice for the rapid development of commercial banks. However, the choice of exit method is a major challenge facing us. To this end, the author of the Luotian branch of the situation, the distribution of rural micro-loans status quo, the formation of the reasons for the main factors affecting the recovery of households and the small farmers to clean up the situation of a field survey. I. Current Situation and Causes of Rural Microloan Loans Since the contractual responsibility system was implemented in rural areas in 1982, rural collectives and peasants’ loans have been decoupled from each other and their distribution has been changed several times. As a result, there is a wide distribution, Small, poor quality of the status quo. For Luotian, as of the end of 2002, the county’s 12 townships owed 32944 loans to collectives and peasant households of Agricultural Bank of China with a total amount of 29.76 million yuan, accounting for 85.1% and 4.7% of the total loans and amounts of the Bank for the current period. (I) From the perspective of the distribution of loans, the county has 12 towns, 415 administrative villages and 13.7% of rural households, and 415 villages owe agricultural loans, accounting for 100% of the total, of which 288 villages owe collective agricultural loans, accounting for a total of 69% of the village, away from