近两年来,随着国内外宏观经济形势不确定性的增强,我国银行业金融机构的经营管理面临着巨大的考验,由于风险防控能力和经营管理水平与其他商业银行存在明显差距,在新的形势面前,农村中小金融机构遭遇的挑战更加严峻。能否在错综复杂的经济形势和市场变化面前,确保自身的稳健经营,不仅关乎农村中小金融机构自身的生存发展,更决定着农村中小金融机构向现代金融企业转变目标实现的成 In the recent two years, with the increasing uncertainty of the macro-economic situation both at home and abroad, the management and operation of China’s banking financial institutions are facing a tremendous test. As there is a clear gap between the risk prevention and control ability and the level of operation and management with other commercial banks, In the face of the situation, the challenges faced by rural small and medium financial institutions are even more severe. Whether it can ensure its own sound operation in the face of complex economic situation and market changes is not only related to the survival and development of rural small and medium financial institutions themselves but also determines the transition from rural small and medium financial institutions to modern financial enterprises