当前,作为我国金融部门实践“三个代表”重要思想,为农民办实事、办好事重要举措的农户小额信用贷款推广工作正如火如荼地向纵深发展,取得了显著的成效。据统计,截止6月末,全国农村信用社各项贷款比年初增加 1608亿元,同比多增加 448亿元,增长 13.4％;其中农户小额信用贷款695亿元,比年初增加368亿元,增幅达112.5％。全国已有90％的农信社开办了小额信用贷款业务。这一喜人现象说明农户小额信贷受到了农民、农信社和地方政府的普遍欢迎,在一定程度上缓解了我国农村资金供求矛盾,较好地满足了农民生产、生活资金需要,有力地支持了我国农村经济的发展。在给农村和农民带来可喜变化的同时,也促进了农信社的改革和经营,密切了党群关系、农社关系,为农村金融稳定和社会稳定发挥了良好作用。大力推广农户小额信用贷款工作,不仅是我国应对入世后“三农”问题愈发突出的严峻形势 At present, as China’s financial sector has practiced the important thinking of the ’Three Represents,’ doing practical work for peasants and promoting important measures to improve the quality of peasants’ small-amount credit loans is in full swing and has achieved remarkable results. According to statistics, as of the end of June, the loans of rural credit cooperatives nationwide increased by 160.8 billion yuan over the beginning of the year, an increase of 44.8 billion yuan or 13.4% over the same period of last year. Among them, the small-value credit loans of rural households stood at 69.5 billion yuan, an increase of 36.8 billion yuan over the beginning of the year, Up to 112.5%. 90% of China’s rural credit cooperatives have started the microfinance loan business. This gratifying phenomenon shows that farmers’ microfinance has been widely welcomed by peasants, rural credit cooperatives and local governments, which to some extent eased the contradiction between the supply and demand of rural funds in our country and better met the needs of peasants for production and living, which strongly supported The development of our country’s rural economy. While encouraging the rural areas and peasants to make good changes, they also promoted the reform and operation of rural credit cooperatives, closely linked the party-peasants and peasants, and played a good role in rural financial stability and social stability. Vigorously promoting small-scale credit loans for farmers is not only the grim situation that our country should face more and more prominently after the accession to the WTO