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当前,我国经济发展步入新常态,“三期叠加”不断深化,宏观经济运行处于结构调整、动力转换的周期性波动过程中。在经济下行压力不断加大的背景下,企业经营出现困难,资金链日益趋紧,前期经济刺激下累积的经营风险开始加速释放,使得我国银行业面临着较为严峻的信用风险防控形势。在银行业信用风险防控压力不断加大的背景下,我国农村中小金融机构面临的形势更为严峻。一方面,农村中小金融机构地处县域和农村,其所服务的对象大都处于产业链末端,受经济波动和风险传导的影响更大;另一方面,相较其他商业银行,农村中小金融
At present, the economic development of our country has stepped into a new normal and the “three-period superposition” has been deepened continuously. The macroeconomic operation is in the process of structural fluctuations and cyclical fluctuations in power conversion. Against the background of increasing downward pressure on the economy, difficulties in business operation and tightening of the capital chain gradually accelerated the release of the accumulated operating risks under the economic stimulus in the first half of the year, making the banking sector in our country more and more vulnerable to credit risk prevention and control. Under the background of increasing pressure on banking credit risk prevention and control, the situation faced by small and medium financial institutions in rural China is even more severe. On the one hand, rural small and medium financial institutions located in the county and rural areas, most of whom serve the object at the end of the industrial chain, more affected by economic fluctuations and risk conduction; the other hand, compared to other commercial banks, rural small and medium financial