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村镇小额贷款业务的开展有效缓解了我国农村地区融资难问题,给农村经济注入了新鲜的血液,给农户生活带来了希望。但我国村镇小额贷款作为一种新型的农村金融组织形式,其经营管理体制和风险管理机制还处在起步和探索阶段。就目前已存在的村镇小额贷款业务看,运行时间短,发展不充分,风险规避能力差,小额贷款业务的风险控制能力有待提高。因此,应积极拓宽村镇小额贷款风险防范的管理思路、提高村镇小额贷款风险控制水平,以逐步建立和完善村镇小额贷款组织的风险控制体系。本文通过介绍我国村镇小额贷款的发展现状,从环境、信用、管理、政策等方面对村镇小额贷款进行全面的分析分析,并提出了风险控制对策。
The implementation of the microcredit business in towns and villages has effectively alleviated the problem of financing difficulties in rural areas of our country, infused fresh blood into the rural economy and brought hope to the peasant households. However, as a new type of rural financial organization, China’s rural microfinance is still in its infancy and exploration stage because of its management system and risk management mechanism. With regard to the current existing microfinance business in villages and towns, the operation time is short, the development is not sufficient, and the risk aversion capability is poor. The risk control ability of the microfinance business needs to be improved. Therefore, we should actively broaden the management ideas of precautionary measures for the risk of small-sum loans in villages and towns, raise the control level of the risk of small-sum loans in villages and towns, and gradually establish and improve the risk control system of rural micro-loan organizations. This paper introduces the status quo of microfinance in villages and towns in our country, analyzes and analyzes the microcredit in villages and towns comprehensively from the aspects of environment, credit, management and policy, and puts forward risk control measures.