一、推广农村小额农户信用贷款工作的背景(一)农村经济的快速发展。国家一系列支农、扶农、惠农政策出台,农民的经济身份也发生了变化,经营性农户成为新时期农民的主体,由此对金融服务的方式变化需求更加迫切。农村金融服务体系和多元化竞争格局日益形成,我行有必要在金融支农服务手段上进行突破。(二)农村金融服务的组织架构已基本建立,推进农户小额信用贷款 First, the promotion of rural small-scale household credit loan background (a) the rapid development of rural economy. A series of national policies of supporting agriculture, supporting agriculture and benefiting farmers have brought about changes in the economic status of peasants and the operation of peasants has become the mainstay of peasants in the new era. Therefore, the demand for changes in the mode of financial services is even more urgent. The rural financial service system and diversified competition pattern have been formed day by day. It is necessary for our bank to make breakthroughs in the means of financial support for agriculture. (II) Organizational structure of rural financial services has basically been established, and micro-credit loans for farmers