推进农业银行农户小额信贷发展的策略研究

摘要

The Agricultural Bank develops small credit of peasant household , is to develop modern agriculture , builds new rural area of socialism , accomplishes key subjects well-to-do society construction must solve as being hit by. The small credit pushing forward the Agricultural Bank peasant household develops , needs accurate localized small credit business , small perfect credit system; Build the fine credit environment , strengthen peasant household cooperation mental consciousness; Form the credit member team , perfect incentive mechanism; Lift the control over interest rate controlling , bring market forces into play; Tactics such as perfecting risk estimate that system , structuring risk administrative system.%农业银行发展农户小额信贷，是发展现代农业，建设社会主义新农村，完成小康社会建设中必须解决的重大课题。推进农业银行农户小额信贷发展，需要准确定位小额信贷业务、完善小额信贷制度；建立良好的信用环境，增强农户合作意识；组建信贷员队伍、完善激励机制；放开利率管制，发挥市场作用；完善风险评估体系，构建风险管理体系等策略。