农村小型金融机构发展和风险分析摘 要近年来，我国农村经济快速发展，这对我国农村金融服务提出了更高的要求。农村小型金融机构，被认为是解决“三农”建设资金短缺问题的新希望。因此，为了更好更快的促进我国农村经济的发展，加快新农村建设，应该大力发展农村小型金融机构，解决农村融资难的问题。与此同时，农村小心金融机构被认为存在高风险、低收益的特点，那么我们在发展农村小型金融机构的同时如何防范存在的风险呢？本文在分析了我国农村小心金融机构面临的信用风险、流动性风险和操作风险的基础上，以小型金融机构中的村镇银行为主要研究对象，介绍并分析它们采取的风险管理措施。关键词： 农村； 小型金融机构； 发展； 风险Analysis of the development and the risks of small financial institutions in rural areaAbstract The economy has gained a rapid development in rural area, for rural financial services put forward higher request. Rural small financial institutions, considered to solve the "san nong" construction fund shortage problem of hope. In order to better and faster promoting the development of the rural economy, speed up the construction of new countryside, should vigorously develop rural financial institutions, solve the careful financing problems. Meanwhile, the rural financial institutions to be considered high and low income of existing in the development characteristics, so how the rural small financial institutions prevent risks? Based on the analysis of the rural financial institutions face carefully credit risk, liquidity risk and risk of operation, on the basis of the financial institutions in small town bank as the main research object, introduce and analyze the risk management measures are taken.Key words: rural area ; small financial institutions; development; risk目 录引 言.............................................................4一、文献综述........................................................4（一）西方农村金融...
