Discussion,on,Chinas,Rural,Bank,Credit,Risk,Prevention_take China on

　　Abstract: 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, and 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.
　　Key words: Rural Banks; Credit Risk; Risk Prevention; Suggestions