本文的研究建立在对扶贫社小额信贷项目的农户抽样调查数据基础之上。样本数据显示了所有被调查农户的基本信息和小额资金借贷状况,论述小额信贷在农村信贷市场中的作用和农户小额信贷面临的问题,根据调查问卷了解农户的期望以及资金互助组织,对发展农户小额贷款提供政策建议。 The research of this article is based on the sample survey data of the farmers in the Poverty Alleviation Social Microfinance Project. The sample data shows the basic information and microfinance lending status of all surveyed households, discusses the role of microfinance in rural credit markets and the problems faced by farmers’ microfinance, and based on the questionnaire to understand the expectations of farmers and mutual funds, Provide policy advice on developing micro-loans for farmers.