摘要
近年来,我国农村信用社已进入了一个新的发展阶段,主要以信贷规模的迅速扩张为表现
形式。其中,农村信用社的小额贷款业务如雨后春異,发展势头较为猛烈。黄河农村商业银行
是由农村信用社改制而来,目前正是通过不断开辟小额贷款业务来大力发展其信贷规模。然而,
作为一项信贷业务,必然会承受信用风险、操作风险、市场风险和制度风险等各种银行风险的
冲击。因此,如何防范小额信贷风险对黄河农村商业银行的健康发展有着重要的现实意义。

论文依据银行风险及风险防范的相关理论,首先对黄河农村商业银行小额信贷业务的现状
进行了分析;其次,重点讨论小额信贷业务所面临的各种风险,并阐述这些风险形成的主要原
因;最后,对黄河农村商业银行小额信贷的风险如何进行规避及防范,提出相应的建议。

关键词:小额信贷,风险防范,策略研究
Abstract
In recent years, China&39;s rural credit cooperatives has entered a new stage of development, the
main form for credit of the rapid expansion of the scale. Among them, the rural credit cooperatives
microfinance business have mushroomed, momentum is more intense. Rural commercial bank is the
Yellow River by rural credit cooperatives reform, at present it is through constantly open up the small
loans business, to vigorously develop the credit scale. As a matter of credit business, however, is
bound to bear the credit risk, operational risk, market risk and the impact of system risk and bank risk.
Therefore, how to guard against microfinance risk to the healthy development of rural commercial
bank of the Yellow River has important practical significance.
Paper based on the theory of banking risks and risk prevention, first of all, the status quo of rural
small credit business of commercial bank of the Yellow River are analyzed; Second, focus on
microfinance business faces various risks, and explains the main reasons of the risk formation of;
Finally, rural commercial Banks of the Yellow River microfinance risk how to avoid and prevent,
corresponding Suggestions are put forward.
Key words: microfinance, risk prevention,strategy research