农户联保小额贷款项目风险管理研究

Research on Risk Management of Guaranteed Microfinance Project

小额信贷项目只以客户的信用为基础,而没有其他条件做保证,故其产生风险的概率相对较高。因此,做好小额信贷项目的风险管理研究,将是金融行业正常、稳步、健康发展的的重要保证。本文首先论述农户联保小额信贷项目的现状,并以此为基础,分析农户联保小额贷款项目的风险及其成因,为农户联保小额贷款项目的可持续健康发展提供一定的参考。

The risk rate of Micro-credit project is relatively high because it is only based on the custom credit and it has no other conditions for guarantee. Therefore, doing the risk management research of the micro-credit project will be the important guarantee to the steady and healthy development of the financial industry. This paper discusses the present situation of the farmers＇ micro-credit. Based on this, it does the analysis on the risk and its reasons for the farmers＇ micro-credit project. This paper also provides certain reference to the sustainable and healthy development of the farmers＇ micro-credit project.