小额贷款一般指利用小额度的贷款资金为小微企业、三农(农业、农村、农民)和个体工商企业提供的金融服务。小额贷款是金融行业的一部分,在当前的发展阶段,对小微企业、新型农业经营主体及个体工商户的生产经营给予了重要帮助。但是,小额贷款公司在操作中会遇到各种风险问题,因此,对小额贷款的风险管理与控制就显得尤为重要。 Microfinance generally refers to the use of small loan funds for small and micro enterprises, agriculture, rural areas, farmers and individual businesses to provide financial services. Microfinance is a part of the financial industry. At the current stage of development, microfinance has given important help to the production and operation of small and micro enterprises, new agricultural operators and individual industrial and commercial households. However, the microcredit companies encounter various risk issues in their operations. Therefore, it is particularly important to manage and control the risk of microcredit.