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随着社会经济的不断发展,我国的金融体系处于不断的完善过程中,农户小额信贷在近几年的发展过程中逐渐发展起来,已成为我国三农发展的重要物质基础。但是农户小额贷款在我国的发展时间还较短,还存在很多金融风险。基于此,本文对农户小额信用贷款中存在的风险进行具体的分析,分析其存在的原因,并提出一些改进措施,旨在更好的促进农村信用贷款业务的发展,实现三农建设目标。
With the continuous development of social economy, the financial system of our country is in a process of continuous improvement. The microfinance of rural households has been gradually developed in the course of the development in recent years and has become an important material basis for the development of agriculture, rural areas and farmers in our country. However, the development of micro-loans for farmers in our country is still relatively short, and there are still many financial risks. Based on this, this paper conducts a detailed analysis of the risks existing in the micro-credit loans of rural households, analyzes the reasons for their existence, and proposes some improvement measures aimed at promoting the development of rural credit loans and achieving the goal of rural development.