农业是我国的基础产业，是国之根本，是党和国家一直关注的焦点。农村金融问题是纷繁复杂的农村经济发展中的一个突出问题。
关注农村信用社贷款及风险防范，将农村信用社贷款的研究作为出发点，探讨在信贷资金运动过程中所存在的问题及风险。认清信贷过程中的风险有利于我们规避风险，避免损失；有利于农村信用社的发展，同样关注农民的利益。通过完善农村信用社贷款风险管理的对策建议，使得在完善农村信用社风险管理的同时，达到农民与农村信用社双赢的目的。
关键词：农村信用社；农户；贷款风险；风险防范
Abstract
Agriculture is the basic industries in China, which is the root of the country. The party and the country has been the focus of attention. And rural finance is a complex issue of rural economic development in a prominent issue. It focuses on the rural credit cooperative loans and risk prevention. Loans of rural credit cooperatives will be studies as a starting point. Explore the movement of funds in the credit process and risk problems. The existing rural credit cooperatives of farmers loan risk analysis is focused on the existing loans of rural credit cooperatives farmers risk analysis is focused on the object of analysis. Get a clear understanding of credit risk in the process help us to avoid risks and loss. This study will help not only in the perspective of the development of rural credit cooperatives, but also the concerns and interests of farmers. In the article concludes with a sound credit risk management of rural credit cooperatives of the countermeasures and suggestions made to improve the risk management of rural credit cooperatives at the same time, farmers and rural credit cooperatives to achieve the purpose of a win-win situation.
Keywords：rural credit cooperatives unions; farmers; loans risk; risk control
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