主动适应环境变化,练好内功,多管齐下防范和化解信用风险,是农村中小金融机构的生存之道一直以来,关注经济转轨中的潜在风险,守住不发生系统性区域性风险的底线,始终是中国银行业紧绷的神经。面对当前复杂的经济形势,银行业如何化解已经暴露的风险并避免新的风险形成,无疑是一道亟待破解的难题。中国银监会2月15日发布的2015年第四季度主要监管指标数据显示,商业银行不良贷款余额 Actively adapt to environmental change, improve internal strength, multi-pronged approach to prevent and resolve credit risk is the survival of small and medium financial institutions in rural areas has been concerned about the potential risks in economic transition, hold the bottom line of systemic risk does not occur, It is always the nervous nerve of China’s banking sector. In the face of the current complicated economic situation, it is undoubtedly an urgent problem to be solved how to resolve the exposed risks and avoid new risks. China Banking Regulatory Commission February 15 released in the fourth quarter of 2015, the main regulatory indicators show that commercial banks NPL balance