农村小额贷款纠纷处理
Dispute Resolution of Rural Small-Scale Loans

农村小额贷款在促进农村经济发展、缩小城乡差距上发挥着重要的作用，它是解决“三农”问题的核心，也是响应党的二十大报告的号召，更是我国走向全面小康社会的重要途径。但是在农村小额贷款的实践中，还是存在着很多问题，农民拥有的动产和不动产看似很多，但是根据法律规定的限制以及实际上金融机构对这些担保物的接受程度，实际可以用作担保的很少，并且有时受到自然灾害的侵袭，导致自己农作物受损，更是增加了贷款偿还的风险，一味的由政府补贴，加重了国家的财政负担。随着数字化时代的到来，更要加紧解决这些问题，适应数字化经济的发展，及时转化农村小额贷款方式，加大数字化转型力度，切实保障好农村农户的利益。在此过程中，更要加强相关部门的监管，完善有关法律，切实做到有法可依、执法必严、违法必究。
Rural micro-credit plays an important role in promoting rural economic development and narrow-ing the gap between urban and rural areas. It is the core to solving the problem of “Agriculture, rural areas and farmers”, and also corresponds to the call of the 20th National Congress of the CPC Central Committee, it is also an important way for our country to move towards a well-off society in an all-round way. However, in the practice of small loans in rural areas, there are still many problems. It seems that there are many movables and immovable properties owned by farmers, however, in the light of the restrictions imposed by the law and the degree to which these guarantees are actually accepted by financial institutions, very few can actually be used as guarantees and are sometimes affected by natural disasters, resulting in damage to their own crops, but also increased the risk of loan repayment, blindly subsidized by the government, increased the country's financial burden. With the coming of digital era, it is necessary to solve these problems, adapt to the development of the digital economy, transform the rural micro-loan mode in time, strengthen the digital transformation, and protect the interests of rural households. In this process, it is necessary to strengthen the supervision of relevant departments, improve the relevant laws, and effectively achieve a law to follow, law enforcement must be strict, and violations must be investigated.