浅析农村小额信贷的风险防范

A Brief Analysis on the Risk Prevention of Rural Microfinance

农村小额信贷是我国农村金融的重要组成部分,开展农村小额信贷业务,不仅有效缓解了农村资金短缺问题,促进了农村经济的发展,而且极大地推动了我国农村经济的转型,进一步巩固了农业的基础性地位。虽然我国小额信贷发展前景光明,但是小额信贷也面临诸多风险。本文根据小额信贷的发展现状,深入分析了小额信贷发展过程中存在的风险,并提出了防范风险的相关策略,使小额信贷在我国扶助农民和发展农村经济中发挥更大的作用。

Rural microfinance is an important part of rural finance in China, and carrying out microfinance business in rural areas not only effectively relieves the shortage of rural funds, but also promotes the development of rural economy, and greatly promotes the transformation of rural economy in China, and further strengthens the basic status of agriculture. Although the development of microfinance in China is promising, microfinance also faces many risks. Based on the development of microfinance, this paper analyzes the risks in the process of microfinance development, and puts forward some strategies to prevent the risk, so that microfinance plays a more important role in assisting farmers and developing rural economy in China.