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Study on China's Rural Bank Credit Risk Prevention

机译：中国农村银行信用风险防范研究

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摘要

Rural banks are the banking financial institutions which are mainly established in rural areas for providing the local peasants, agriculture, and rural economic development with financial services. The orientation and purpose of banking services in rural areas are serving for the three rural issues (agriculture, peasants, and rural area) and the economies of small and medium-sized enterprises in counties. With rural banks, not only the difficulty of peasants in getting loans can be solved, but also the credit demands of enterprises in rural areas can be satisfied, the financing bottleneck of the development of township enterprises can be eased, and the fund supports can be provided for the construction of new rural areas. Therefore, the construction of rural banks is of important practical significance for solving China's three rural issues. However, rural banks, as a new type of thing, have their own unique risks in comparison with the domestic and international and large banks.
机译：农村银行是主要在农村地区建立的银行金融机构，主要为当地农民，农业和农村经济发展提供金融服务。农村地区银行服务的定位和目的是服务于三个农村问题（农业，农民和农村地区）以及县中小型企业的经济。有了乡镇银行，不仅可以解决农民借贷的困难，而且可以满足农村企业的信贷需求，可以缓解乡镇企业发展的融资瓶颈，可以解决资金支持问题。为新农村建设提供了条件。因此，农村银行的建设对解决中国的三个农村问题具有重要的现实意义。但是，农村银行作为一种新型事物，与国内外银行和大型银行相比，都有其独特的风险。

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