在市场经济条件下 ,经济活动中的风险是一种常态。东南亚金融危机爆发以后 ,金融风险问题已成为经济金融工作的焦点 ,引起了世人高度重视。因此 ,在新的形势和条件下 ,如何认识和研究农村信贷风险 ,建立起经济运行中的信贷风险约束机制 ,稳定农村金融 ,促进农村经济发展和农村 Under market economy, the risk in economic activities is a normal one. After the financial crisis in Southeast Asia broke out, the financial risk issue has become the focus of economic and financial work, which has aroused great attention from the world. Therefore, under the new situation and conditions, how to understand and study the credit risk in rural areas, set up the credit risk restraint mechanism in economic operation, stabilize rural finance, promote rural economic development and rural areas