2009年7月,中国人民银行、财政部等四部委联合下发了《关0于完善小额担保贷款财政贴息政策推动妇女创业就业工作的通知》,各省市纷纷加大惠民政策落实力度,妇女小额担保贷款业务获得快速发展。但在实际操作中,由于农业保险普遍不到位,采取农户联保方式集中投放、贴息贷款期限与农户种植项目生产周期不匹配等原因,贷款潜在风险应引起 In July 2009, the four ministries and commissions such as the People’s Bank of China and the Ministry of Finance jointly issued the “Notice on Improving the Fiscal Loan Discount Policy for Small-sum Guaranteed Loans to Promote Women’s Entrepreneurship and Employment”, and all provinces and municipalities have stepped up the implementation of Huimin policies, The micro-secured loans business for women has enjoyed rapid growth. However, in actual operation, due to the fact that agricultural insurance is generally not in place, adopting the mode of joint guarantee by rural households, the maturity of subsidized loans and the production cycle of farmers’ cultivation projects do not match, the potential risks of loans should be raised