摘要:本文分析了我国农村信用社小额信贷的发展现状并且从小额信用贷款的农村信用环境欠佳并且容易导致道德风险、农村信用社小额信贷不能完全满足农户的需求、推广缺乏动力以及小额信用贷款的运作模式单一等方面分析了我国农村小额信贷发展存在的问题。最后针对我国农村小额信贷的现状和存在的问题，提出了优化农村信用环境、促进小额信贷模式的多样化、完善农户小额信用贷款优惠政策、提升农村金融服务水平等促进我国农村信用社小额信贷健康发展的对策。

关键词：农村信用社，小额信贷业务，对策

Abstract:The article analysed our country rural credit cooperatives microfinance development present situation and from the small fiduciary loan rural credit environment and can easily lead to moral hazard, rural credit cooperatives can not fully meet the farmer demand, lack of motivation and promote micro-credit loans to the mode of operation of a single area of China's rural microfinance development existence problem. At the end of rural microfinance in China present situation and the existence question, put forward to optimize the rural credit environment, promoting the microfinance mode diversification, improve farmer small credit preferential policies, enhance the level of financial services in rural areas and promoting China's rural credit cooperatives healthy development countermeasure.

Key Words: Rural credit cooperatives ， Microfinance，Countermeasure

　　　农村信用社小额信贷业务这种金融服务的模式来源于外国并在我国逐步普及。总的来说，在我国得到了很好的发展，但不可避免的仍存在缺点。我们应该根据农村信用社对于小额信贷业务发展的具体情况，在全面了解我国小额信贷的发展现状及问题的前提下提出具体的发展战略，充分发挥农村信用社小额信贷业务的潜力，找到适合自身的发展模式，这对我国经济发展和贫困人口生活状况改善具有非常重要的现实意义。