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2008年汶川发生的特大地震,对该地区的经济生活产生了巨大的影响。在2010年再次发生巨大的泥石流灾害,对灾后重建造成又一轮重创。为帮助灾区农户恢复生产经济,金融机构有必要提供小额贷款的金融支持。本文从小额贷款的必要性出发,提供了小额贷款的具体运行模式参考。并对其可能面对的巨灾风险提供了风险管理的意见。
The great earthquake in Wenchuan in 2008 had a huge impact on the economic life of the area. In 2010, another huge debris flow disaster occurred, causing another round of reconstruction after the disaster. In order to help farmers in affected areas recover their production economy, it is necessary for financial institutions to provide financial support for microfinance. Based on the necessity of microfinance, this article provides a reference for the specific mode of operation of microfinance. And provided risk management advice on the catastrophic risks it may face.