近日，CGAP与花旗基金会共同资助完成了一项针对全球小额信贷领域风险问题的调查，题目很奇怪叫“微型金融香蕉皮2008”(Microfinance Banana Skins 2008)。小额信贷网络做了介绍（http://www.chinamfi.net/Article/ArticleShow.asp?id=1778）可以浏览。

    该报告列出了小额信贷29个风险，列表如下：

Microfinance Banana Skins 2008 Top 29 Risks Biggest risks Fastest risers 1 Management quality 1 Competition 2 Corporate governance 2 Staffing 3 Inappropriate 3 Political interference 4 Cost control 4 Too much funding 5 Staffing 5 Credit risk 6 Interest rates 6 Strategy 7 Competition 7 Mission drift 8 Managing technology 8 Ownership 9 Political interference 9 Interest rates 10 Credit risk 10 Unrealisable expectations 11 Transparency 11 Reputation 12 Foreign exchange 12 Corporate governance 13 Unrealisable expectations 13 Managing technology 14 Mission drift 14 Fraud 15 Fraud 15 Natural catastrophes 16 Strategy 16 Cost control 17 Ownership 17 Management quality 18 Back office operations 18 Foreign exchange 19 Reputation 19 Product development 20 Liquidity 20 Profitability 21 Too much funding 21 Inappropriate 22 Profitability 22 Distribution channels 23 Macro-economic trends 23 Liquidity 24 Product development 24 Macro-economic trends 25 Capital availability 25 Back office operations 26 Distribution channels 26 Transparency 27 Natural catastrophes 27 Refinancing 28 Refinancing 28 Capital availability 29 Too little funding 29 Too little funding