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随着我国农村经济的发展,农村信用合作社的改革以及发展步伐也在逐渐加快,通过认真贯彻以及执行我国的金融方针,并且大力推广农户小额贷款,是目前我国农村信用社的一项重要任务。但是由于我国农村信用社的信用基础薄弱,农村信用管理水平十分有限,使得信贷资金的风险仍然十分严峻。本文主要分析了慈利县农村信用社中,农户小额信用贷款所面临的风险,并且针对这些风险提出了相应的解决对策,旨在为慈利县农村信用社农户小额信用贷款的风险防范提供相关的参考以及借鉴。
With the development of rural economy in our country, the reform and development pace of rural credit cooperatives are gradually accelerating. It is an important task of rural credit cooperatives in our country to conscientiously implement and implement China’s financial policy and vigorously promote small-scale loans for rural households . However, due to the weak credit foundation of rural credit cooperatives in our country and the limited credit management in rural areas, the risk of credit funds is still very serious. This paper mainly analyzes the risks faced by farmers in rural credit cooperatives in Cili County, and puts forward corresponding solutions to these risks in order to prevent the risks of small-scale credit loans for farmers in Cili County Rural Credit Cooperatives Provide relevant reference and reference.