自2001年开始,在江西婺源等地试点后推向全国的农户小额信用贷款,使大量分散的且没有担保抵押物的农户获得了便捷的金融服务,深受广大农民群众欢迎。6年多来,全国农信社系统90%以上的营业网点开办了农户小额信用贷款业务,累计向8000多万农户发放农户小额信用贷款9000多亿元,有效破解了广大农民因缺乏担保抵押而出现的贷款难问题,被誉为具有重大历史意义的“富民工程”。 Since 2001, after the pilot projects in Wuyuan and other places in Jiangxi Province, small-scale credit loans to farmers across the country have enabled a large number of scattered and unsecured farmers to obtain convenient financial services and are well received by farmers. Over the past six years, more than 90% of rural credit cooperatives ’outlets have opened small-value credit loans for farmers and distributed more than 90 billion yuan of microcredit loans to over 80 million farmers, effectively cracking down farmers’ lack of guarantee Mortgage loan problems that emerged appear, known as the “historic enrichment project”.