由于农村信贷具有可抵押的资产少、贷款投入成本高、收入回报少、自然风险大的特点,很多金融机构都不愿向农民发放贷款。农民贷款难问题成了制约农村经济发展的一个重要因素。本文首先介绍了农村信贷风险现状,然后分析了其原因,最后结合我国实情提出了改进建议。 Due to the low collateralized assets of rural credit, the high cost of loan investment, the small return on income and the large natural risk, many financial institutions are reluctant to grant loans to peasants. The difficulty of peasants’ loan has become an important factor restricting the development of rural economy. This article first introduces the status quo of rural credit risk, and then analyzes its causes, and finally puts forward suggestions for improvement based on China’s actual conditions.