农村小额信用贷款是根据农户的信誉,在核定的额度和期限内向农户发放的不需要抵押、保证担保的贷款,是以农户为服务对象,以贷款形式为他们提供发展资金的一种扶贫方式。农村小额信用贷款设立的目的是为解决有潜在偿还能力农民的临时性资金短缺问题,其在加快我国农村经济发展、缩小城乡收入差距、增加农民收入等方面,发挥着非常重要的作用。然而,由于农村小额信贷具有高成本和高风险特征,其发展仍然举步维艰,因此,分析农村小额信贷的风险,并探讨防范风险的对策具有重要的现实意义。 Rural microcredit loans are unsecured and guaranteed loans issued to farmers within the approved quotas and deadlines based on the creditworthiness of farmers. They are targeted at peasant households and provide them with loans in the form of poverty alleviation measures for the development of funds . The purpose of setting up rural microcredit loans is to solve the temporary shortage of funds for farmers who have potential repayment ability and play an important role in accelerating rural economic development in our country, narrowing the income gap between urban and rural areas and increasing farmers’ income. However, due to the high cost and high risk characteristics of rural microfinance, its development is still in a dilemma. Therefore, it is of great practical significance to analyze the risk of rural microfinance and to explore the countermeasures to prevent risks.