摘要：自农村联保贷款施行以来,其初阶段的成效显而易见，但是不可避免的，风险管理、产品推广、经济收益、法律清收等各个方面的问题也随之而来。这些问题极大地阻碍了农村联保业务的可持续发展之路，如今急需重视解决。

　　　农村联保贷款业务所面临问题的成因相当复杂，目前妨碍农村联保贷款发展的金融主体缺陷主要表现为农信社信贷风险管理滞后、市场营销机制落后以及人力资源管理滞后等。妨碍农村联保贷款发展的金融环境缺陷主要表现为：农业行情起伏、个人征信缺位、法律清收不力等。

　　　农村联保贷款问题的解决是一项复杂而艰巨的系统工程，不仅仅需要动用农信社自身的力量，政府方面也需要出台相应的政策给予帮助。从经济体制来说，我国是一个典型的政府调控下的市场经济大国，再者最初农村联保贷款业务的开展也是顺应政府的要求，因而农村联保贷款可定义为公共产品，结合所述，政府有着绝对的责任帮助农信社来弥补农村金融环境缺陷。在农信社加强自身的信贷管理的同时，政府也应通过出台相关政策等途径来促进农村联保贷款业务的推广工作，更何况出台这些相关政策也会有利于农村金融机构其他金融业务的发展。

关键词：农村信用社     农村联保贷款      农村金融

Abstract：In recent years, the promotion of rural group lending made phased achievements, but at the same time, also exposed the risk control, product marketing, economic, legal, collect, and many other aspects.These problems if not addressed early, rural group lending business is bound to unsustainable development problems.

The cause of the problems facing the rural group lending business is quite complex, currently hinder the development of rural group lending financial main body defect mainly for credit risk management lag, rural credit cooperatives backward marketing mechanism, and lagging of human resource management, etc.Obstruction of the rural financial environment for the development of group lending defects main show is: agricultural market ups and downs, absence of personal credit, lack of legal collection, etc.

Solutions of the problem of rural group lending is a complicated and arduous system engineering, rural credit cooperatives only by their own strength is difficult to solve.Because our country is a government-led market economy countries, moreover the rural group lending is also the government asked, rural credit cooperatives and rural group lending has the nature of quasi-public products, therefore, the government in rural financial environment defects have unshirkable responsibility.In addition to their rural credit cooperatives should be strengthen credit management, the government also should publish relevant policy to support and promote the development of the rural group lending business, and supporting policies for the government development of rural financial institutions, other financial business.

Keywords: rural credit cooperatives   The rural group lending   The rural financial