农户小额信用贷款是目前适合农村特点的重要贷款方式,是我国农村信贷管理制度的重大改革。它的普遍推广,对解决农民贷款难、促进农民增收、调整农村产业结构、改善农村信用社的经营发挥着举足轻重的作用。农户小额信用贷款面临的一系列的风险,包括自然风险、市场风险、信用风 The micro-credit loans of peasant households are the important loans that are suitable for the characteristics of rural areas at present. They are major reforms of the rural credit management system in our country. Its universal promotion plays a decisive role in solving the problem of peasants ’loan difficulties, increasing farmers’ income, adjusting rural industrial structure and improving the management of rural credit cooperatives. A series of risks facing farmers’ microfinance loans include natural risk, market risk, credit risk