目前我国的小额农贷已有很大发展,由于经济体制改革尚未完成,因而小额农贷体制带有较浓的“转轨”时期色彩。基本特点是:放贷机构单一,垄断性强;制度主义倾向明显,“深度”不足;有效地利用了行政资源,创造出富有特色的成功做法。今后的改进思路主要是:通过多种途径努力增强农村信用社的活力;加大政策扶持力度;设立为最贫困农户提供信贷服务的福利主义模式金融机构。 At present, China’s small-sum agricultural loans have been greatly developed. As the reform of the economic system has not yet been completed, the system of small-sum agricultural loans has a stronger color during the transition period. The basic characteristics are: a single lending institution, strong monopoly; obvious institutionalism tendency, lack of “depth”; effective use of administrative resources to create distinctive and successful practices. The main ideas for improvement in the future are: trying to enhance the vitality of rural credit cooperatives in various ways; strengthening policy support; establishing a welfare-based financial institution that provides credit services to the poorest rural households.