Problems existing in the current development of agricultural micro-credit and improvement ideas. Attach the data source.

When it comes to loans, we must first talk about risk control. Under normal circumstances, small loans of banks are mortgaged. If the borrower can't repay the loan at maturity, he can realize mortgage and recover the loan by exercising the mortgage right, thus effectively controlling the bad debt risk of the loan. At present, the biggest problem of agricultural microfinance is that borrowers generally have no collateral. In order to solve this problem, some banks have launched "three guarantees" loan products, in which three people's assets are used as guarantees and one person applies for a loan, effectively solving the problem of collateral. However, it is often difficult to find a guarantor when guaranteeing, so this product has not been widely used. As for the idea of improvement, you really have to use your imagination. The information comes from my work practice.