农村小额贷款在缓解“三农”贷款难,支持农业增产、农民增收和农村经济发展等方面发挥了积极作用。但是,目前我国农村小额贷款开展过程中仍然存在一些问题和不足,制约了其持续、健康发展。一、农村小额信贷的风险因素农村小额信用贷款适合我国广大农村以家庭承包责任制为基础的生产方式以及分散经营、规模较小的实际状况。同时,又使农村信用社的借贷活动与广大农民群众密切结合,充分体现了合作金融组织的特点。形成农村小额信贷风险的原因是复杂的,就其主要因素来说,有如下几个方面: 1、经营风险在我国从事农村小额信贷业务的机构或组织很多,也很复杂。对于地方性、民间性的小额信贷机构而言,它们的合法地位至今没有解决。由于没有合法地位,不能像合法金 Rural microfinance has played a positive role in alleviating the difficulties of lending loans to agriculture, rural areas and farmers, supporting agricultural production, increasing rural incomes and rural economic development. However, at present, there are still some problems and shortcomings in the development of rural micro-loans in our country, which restrict their sustainable and healthy development. I. Risk Factors of Rural Microfinance Rural microfinance loans are suitable for the mode of production based on household contract responsibility system and the decentralized operation in rural areas in China. At the same time, the credit cooperatives of rural credit cooperatives are closely integrated with the masses of peasants, fully embodying the characteristics of cooperative financial organizations. The reasons for the formation of rural microcredit risk are complex. The main factors are as follows: 1. Business risk Organizations or organizations that engage in rural microfinance in our country are numerous and complicated. For the local, non-governmental microfinance institutions, their legal status has not been resolved. Because there is no legal status, can not be like legal gold