摘要：本文根據(jù)村鎮(zhèn)銀行的內(nèi)涵和特征,分析村鎮(zhèn)銀行與一般商業(yè)銀行的關系,探討了村鎮(zhèn)銀行的定位問題。從村鎮(zhèn)銀行主要面對農(nóng)戶和農(nóng)村微小企業(yè)的實際出發(fā),分析村鎮(zhèn)銀行的業(yè)務特點和信用風險來源,研究了村鎮(zhèn)銀行信用風險產(chǎn)生的過程。根據(jù)瑞信村鎮(zhèn)銀行的經(jīng)營管理現(xiàn)狀和現(xiàn)有的貸款審查、風險控制方法,依據(jù)信貸內(nèi)部控制有效性和健全性以及比例分析等提出了設計瑞信村鎮(zhèn)銀行信貸風險的內(nèi)部缺陷；再依據(jù)信貸外部風險內(nèi)容分析瑞信現(xiàn)階段的外部風險即市場風險。最后提出信貸風險控制相關對策和建議。

關鍵字：村鎮(zhèn)銀行 信貸風險 信貸風險控制

Abstract：According to the contents and features of the rural bank, the bank analyses the relationship between the rural bank and commercial bank .It analyses the generating process of credit risk from  the reality that the rural banks’ main customers are farmers and the mini companies. According to the status management of rural banks Credit Suisse and existing loan security, risk control methods, and the credit validity of internal controls and the proportion of analysis proposed design Suisse Rural Bank credit risk internal defects, then based on external credit risk (risk Credit  external content ),to analysis the market risk. Finally, to give the credit risk control countermeasures and suggestions

Key words：The rural bank   credit risks   management scheme