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本文从农户的需求来研究表明农村信用社提供的小额信贷既有政策性又有商业性。解决小额信贷可持续发展问题,就要调和小额信贷的商业性和政策性的矛盾;要保持小额信贷资金供给的稳定性,强化农村信用社的服务功能,在法律上给信用社以准确的定性,搞好信用社与政府的关系。
In this paper, the needs of farmers to study shows that rural credit cooperatives to provide microfinance both policy and commercial. To solve the problem of sustainable development of microfinance, it is necessary to reconcile the commercial and policy contradictions of microfinance; to maintain the stability of the supply of microcredit funds and to strengthen the service functions of rural credit cooperatives, legally give credit unions Accurately Qualify and Improve the Relationship between Credit Cooperatives and the Government.