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近年来,辖区各地人民银行积极组织和引导农村信用社把握为“三农”服务的市场定位,大力开展小额农贷业务,提高农村金融服务水平;农村信用社坚定“三农”服务方向,纷纷开办了小额农户贷款业务。实践证明:大力开办小额农贷,提高农村金融服务水平,是一条推动农村经济发展和实现信用社自身发展的双赢之路。为总结开办小额农贷的经验和做法,本刊约请了部分基层人民银行和农村信用社就开办小额农贷的一些做法和体会进行交流,现予以刊登,供参考。
In recent years, the PBC actively organized and guided RCCs to grasp the market positioning for the “three rural” service, vigorously carried out the small-sum rural credit loan business and improved the financial service level in rural areas; RCC strengthened the service orientation of “agriculture, rural areas and farmers” Small farmers have started a loan business. Practice has proved that vigorously opening small-sum rural loans and raising the level of rural financial services are a win-win way to promote rural economic development and realize the development of credit cooperatives themselves. In order to summarize the experience and practice of starting small-sum agricultural loans, this issue has invited some grassroots-level people’s banks and rural credit cooperatives to exchange views on some practices and experiences in starting small-amount agricultural loans and is now published for reference.