小额扶贫贷款是国家为解决“三农”问题而开办的特定贷款品种,它的开发、推广和运用对促进农业生产发展和农民脱贫、越温、奔小康发挥着“催化剂”、“及时雨”的积极作用。但是,小额扶贫贷款存在的政策风险和清收成本加剧等问题始终困扰着农行的业务经营,羁绊着农行改革发展的 The small loan for poverty alleviation is a special type of loan set by the state to address the issue of “agriculture, countryside and farmers”. Its development, popularization and application have played an important role in promoting the development of agricultural production and peasants getting out of poverty. The positive role. However, problems such as the policy risk and the cost of recovery of microfinance loans have always plagued ABC’s business operations and hindered the reform and development of ABC