吉林省农村小额信贷风险成因分析

吉林省的农村小额信贷与传统信贷相比,在资金来源、贷款方式以及操作程序等方面都具有其独特之处。本文从自然风险、利率风险、市场风险、评级授信以及操作风险、信用风险五个方面分析了吉林省农村小额信贷风险的表现;并提出相关农业风险补偿机制不健全、利率调控缺乏灵活性、农户信用意识淡薄、信用评级程序不够完善、机构内部管理不够完善是吉林省农村小额信贷风险成因。

Analysis in Rural Micro-credit Risk of Jilin Province

Micro-credit in rural areas of Jilin Province, compared with traditional credit, sources of funding, loans and operating procedures, has its own uniqueness. This article from the natural risk, interest rate risk, market risk, credit rating credit and operational risk, credit risk analysis of the five aspects of rural Jilin Province, the performance of micro-credit risk; and make related agricultural risk compensation mechanism is not perfect, the interest rate regulation of the lack of flexibility poor awareness of farmers credit, credit rating procedures is not perfect, not perfect internal management of rural micro-credit risk is the cause of Jilin Province.