本文通过对信贷风险的整体分析,对比得出了小额信贷机构这一类以信贷为主要贷款方式的金融机构所特有的信贷风险成因。针对客户主体分散、且经营规范性较弱以及较为显著的信息不对称这一现状,提出了何控制信贷业务风险,降低不良贷款率的建议。这对于小额信贷机构持续经营,补全金融体系服务面有着至关重要的作用。 Through the overall analysis of credit risk, this paper contrasts with the credit risk reason that is unique to MFIs such as MFIs. In view of the fact that the main body of the client is fragmented and the management norms are weak and the information asymmetry is more prominent, some suggestions on how to control the risk of the credit business and reduce the non-performing loan ratio are put forward. This is of vital importance to the continued operation of MFIs and the complementation of financial services.