近年来,农信社普遍推行了农户小额信用贷款,扩大了农信社信贷服务的覆盖范围,简化了贷款手续,同时也优化了贷款组合,一定程度上降低了信贷风险。农户小额信用贷款是根据农户的经济状况和信用程度,在核定的额度和期限内,向农户发放的不需抵押、担保的贷款。作为农信社一种的信贷产品,其具有独特的风险特性和风险控制策略。 In recent years, RCCs have generally promoted the micro-credit loans of rural households, expanded the coverage of RCCs’ credit services, simplified loan procedures, and optimized their loan portfolios to a certain extent, reducing their credit risk. The micro-credit loans of peasants refer to loans that are not mortgaged and guaranteed to peasants according to their economic status and creditworthiness within the approved quotas and deadlines. As a credit product of RCCs, it has unique risk characteristics and risk control strategies.