一、小额信贷的发展目前,小额信贷受到社会的广泛关注,实际上小额信贷在我国历史很长。建国初期,实行土地改革,农民翻身得解放,分得了土地。在这一阶段,一些个体农民出现资金困难。针对他们的资金需求,国家倡导在广大农村组织成立了农村信用合作社,由农村信用合作社为农民提供了大量的小额贷款,农村信用合作社与农民建立了稳定的信贷关系,发挥了重要作用。以后随着农业集体化和人民公社化的兴起,农民对农村信用社的小额贷款需求逐渐减 First, the development of microfinance Currently, microfinance is widely concerned by the community, in fact, microfinance has a long history in our country. In the early days after the founding of New China, the land reform was implemented. The peasants turned over to liberate and got the land. At this stage, some individual farmers have financial difficulties. In response to their funding needs, the state advocated the establishment of rural credit cooperatives in a large number of rural organizations, and provided a large number of small loans to farmers by rural credit cooperatives. Rural credit cooperatives have established a stable credit relationship with farmers and played an important role. Later, with the rise of collectivization of agriculture and the establishment of people’s communes, the demand of farmers for rural credit cooperatives for microfinance gradually decreased