近年来，河南省固始县农村信用社为解决农民贷款难问题，改进了贷款方式，开办了小额农户信用贷款和农户联保贷款，实施贷款营销，推行“一证一卡”，牢固坚持服务“三农”的办社宗旨，积极实施贷款投向的战略转移，把农户小额信用贷款和农户联保贷款作为支持“三农”的突破口 In recent years, Gushi County, Henan Province Rural Credit Cooperatives to solve the problem of peasant loans to improve the way of loans, opened a small household credit loans and peasant household loans, the implementation of loan marketing, the implementation of “one card one card”, firmly adhere to Serve the “three rural” management purposes, and actively implement the strategic shift in loan orientation, the micro-credit loans of farmers and peasant household loans as a breakthrough in supporting “three rural”