论农村信用社信贷风险及其防范措施

随着我国农村金融体制改革的深入进行，国有商业银行逐步退出农村金融市场，农村信用社成为我国农村金融体系的一支重要力量。现阶段，农村信用社信贷规模快速扩张，长期积累的金融风险逐步地暴露出来，特别是信贷风险问题日益凸显。如何控制信贷风险确保农村信用社健康发展，是当前各级农村信用社工作的重心。本文结合当前我国农村信用社改革发展的实际，针对信贷风险管理存在的问题，提出了相应的政策建议。

Discussion on Credit Risk in Rural Credit Cooperatives and Risk Prevention

In recent years, with China＇s rural financial system reform being carried out in depth, the state-owned commercial banks gradually withdraw from the rural financial markets and the rural credit cooperatives have become an important force of China＇s rural financial system and they began to step into a new stage of development. At this point, the scale of credit business in rural credit cooperatives expands so rapidly that the financial risks accumulated for a long time are gradually exposed; especially the problem in credit risk management is becoming the hot issue. How to ensure the healthy development of credit business is the focus for all-level rural credit cooperatives at present. With an analysis of rural credit cooperatives＇ developing practice, this article points out the problems in credit risk management and puts forward corresponding suggestions to prevent the credit risk.