近年来,国家始终坚持惠农、强农政策,除各级政府逐年加大对“三农”扶持力度外,各种银行及非银行金融机构涉农贷款也呈上升趋势,特别是农户小额信用贷款,因贷款门槛低、办理迅捷,深受农民朋友喜爱,但随之而来是一些企业和商户为获取贷款,采取借用他人名义,化整为零,骗取小额信用贷款,这些“冒名贷款”给金融市场带来了巨大 In recent years, the state has always adhered to the policy of benefiting the peasants and strengthening agriculture. Except for that all levels of government have stepped up efforts to support agriculture, rural areas and farmers year by year, the lending on agriculture related to various banks and non-bank financial institutions has also been on an upward trend. Especially the peasant households Microfinance loans, due to the low threshold of loans, quick processing, are favored by farmers and friends, but with the consequent business and merchants to obtain loans for some, to borrow the name of others, to clean up, microfinance loans, these “False Loans ” has brought tremendous financial markets