中文摘要：

农民专业合作社、“公司+农户”是农户间、农户与农业龙头企业基于共同利益目标而自愿结成的自组织形式，依托该类自组织控制农户贷款信用风险具有如下优势：一是成员间、成员与自组织间相对而言双方信息对称；二是自组织与成员、成员与成员间的长期合作、关联交易等行为形成了履约收益始终大于违约收益的激励机制；三是自组织强有力且能落实到位的违约处罚措施始终保持了对恶意违约行为的惩罚威胁。鉴于自组织的上述特点和实践中不良率低的良好效果，建议大力发展农村中介自组织，鼓励金融机构依托农村中介自组织利用微型金融技术开展农户小额信贷业务。

英文摘要：

The farmer cooperatives、the company plus farmer are the self- organization promoted development by farmers and agricultural leading enterprises basing on the common goal. To control credit risk by the self- organization has three advantages: firstly, the information between organization member and self-organization is symmetry; secondly, the long-term cooperation、connected transaction between self- organization and member、member and member forms the motivation and restriction mechanism which the fulfill contract revenue is higher than the default income. Thirdly, the selforganization’s powerful punishment measure keeps the threat to the default behavior all the time. In view of the advantages and lower bad loan rate in the practice, the paper suggests that: develop the rural self- organization and lead the rural financial institutions to offer micro- credit through microfinance skill by the rural self-organization.