摘要：本文根据村镇银行的内涵和特征,分析村镇银行与一般商业银行的关系,探讨了村镇银行的定位问题。从村镇银行主要面对农户和农村微小企业的实际出发,分析村镇银行的业务特点和信用风险来源,研究了村镇银行信用风险产生的过程。根据瑞信村镇银行的经营管理现状和现有的贷款审查、风险控制方法,依据信贷内部控制有效性和健全性以及比例分析等提出了设计瑞信村镇银行信贷风险的内部缺陷；再依据信贷外部风险内容分析瑞信现阶段的外部风险即市场风险。最后提出信贷风险控制相关对策和建议。

关键字：村镇银行 信贷风险 信贷风险控制

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