我国村镇银行的风险管理机制研究
发布时间：2018-10-24 16:51
【摘要】：2009年至今是村镇银行迅速扩张的3年,数量上从之前的91家飙升至现在的1053家村镇银行,遍布全国各个省市,特别是中西部地区,所设村镇银行数量占到了全国总数量的70.17%。村镇银行单个的规模虽小,但从其激增的数量及广泛的分布情况上来看,已经使其在我国农村金融体系中具有了不容忽视的影响力。然而,村镇银行数量上繁荣的另一面在可以预见的未来,必定是残酷的竞争甚至优胜劣汰下的被迫退出；再者,作为村镇银行这样的新型农村金融类型,立足于农村、围绕着农业、服务于农民,不得不直面的就是农业经济的弱质性特点,在从事经营活动的过程中也伴随着这一特性带来的高风险,积极应对危机,取区域经济之长补农村金融之弱势,不仅仅是村镇银行自身的发展要求,更是银监会在维护村镇银行整个行业稳定向上发展需要关心的问题,村镇银行与基层农村金融市场息息相关,所以加强村镇银行的风险管理避免农村经济区域性的动荡也是地方政府的职责所在。 本文在国内外相关研究的基础上,阐述了我国村镇银行的基本特征、发展现状和可能面临的风险问题；并把国外相似类型银行中风险管理机制较为成熟的美国社区银行作为经验借鉴,分析了其风险管理机制的结构、运作原理和关键优势；在以上基础上,提出了建立我国村镇银行风险管理机制的构想。 本文认为,村镇银行的风险管理不应局限于微观上村镇银行内部的风险管控与危机应对,而是应当从宏观角度出发,建立起一套缜密、全面、完备的村镇银行风险管理机制,由中国银行业监督管理委员会与地方政府作为责任的关键主体,建立统一的管理机构、全面的风险监测体系,并合作选择与实施风险管理方式；以及时高效、审慎严谨、风险最小化及合理淘汰为原则,采取整顿整改、托管接管、并购重组以及行政、破产清算等方式,对不同情况的村镇银行进行有针对性的监督与治理,引导村镇银行不断完善其风险内控系统,促进村镇银行的公平竞争,优化农村金融市场的资源循环；与此同时,为使这套管理机制无后顾之忧的顺利运作,还需要完善相关的法律体系,建立起有效的存款保险制度来作为支撑。
[Abstract]:It has been three years since the rapid expansion of village banks in 2009, the number of which has soared from 91 before to 1053 village banks in various provinces and cities across the country, especially in the central and western regions. The number of village banks has accounted for 70.17 percent of the country's total. Although the single scale of village bank is small, it has a great influence in the rural financial system of our country from the point of view of its proliferating quantity and wide distribution. However, the other side of the boom in the number of village and town banks must be cruel competition and even forced withdrawal under the survival of the fittest in the foreseeable future; moreover, as a new type of rural finance such as village banks, they are based in rural areas. Focusing on agriculture and serving farmers, what we have to face directly is the weak nature of the agricultural economy. In the process of engaging in business activities, it is accompanied by the high risk brought about by this characteristic, and we have to actively deal with the crisis. To make up for the weakness of rural finance by taking the advantages of regional economy is not only the development requirement of the village bank itself, but also the problem that the CBRC should pay attention to in maintaining the stable and upward development of the whole village bank industry. Village banks are closely related to the grassroots rural financial markets, so it is also the responsibility of local governments to strengthen the risk management of village banks to avoid the regional turbulence of rural economy. On the basis of relevant research at home and abroad, this paper expounds the basic characteristics, development status and possible risk problems of village banks in China. Based on the experience of American community banks with mature risk management mechanism in similar types of banks abroad, the paper analyzes the structure, operation principle and key advantages of the risk management mechanism. This paper puts forward the conception of establishing the risk management mechanism of village banks in our country. This paper holds that the risk management of village banks should not be limited to the risk management and crisis management within the village banks, but should be set up from a macro perspective, and a set of rigorous, comprehensive and complete risk management mechanism of village banks should be established. By the China Banking Regulatory Commission and the local government as the key body of responsibility, establish a unified regulatory body, a comprehensive risk monitoring system, and cooperate to select and implement risk management methods in order to be timely, efficient, prudent and rigorous, On the principle of minimizing risk and reasonably eliminating, adopting the methods of rectifying and rectification, custody and takeover, merger and acquisition, administration, bankruptcy liquidation, and so on, and carrying out targeted supervision and management of village banks in different situations, To guide village banks to improve their internal risk control system, to promote fair competition of village banks, and to optimize the resource circulation of rural financial markets; at the same time, to ensure the smooth operation of this management mechanism without any worries, We also need to improve the relevant legal system and establish an effective deposit insurance system as the support.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35
本文编号：2291968
[Abstract]:It has been three years since the rapid expansion of village banks in 2009, the number of which has soared from 91 before to 1053 village banks in various provinces and cities across the country, especially in the central and western regions. The number of village banks has accounted for 70.17 percent of the country's total. Although the single scale of village bank is small, it has a great influence in the rural financial system of our country from the point of view of its proliferating quantity and wide distribution. However, the other side of the boom in the number of village and town banks must be cruel competition and even forced withdrawal under the survival of the fittest in the foreseeable future; moreover, as a new type of rural finance such as village banks, they are based in rural areas. Focusing on agriculture and serving farmers, what we have to face directly is the weak nature of the agricultural economy. In the process of engaging in business activities, it is accompanied by the high risk brought about by this characteristic, and we have to actively deal with the crisis. To make up for the weakness of rural finance by taking the advantages of regional economy is not only the development requirement of the village bank itself, but also the problem that the CBRC should pay attention to in maintaining the stable and upward development of the whole village bank industry. Village banks are closely related to the grassroots rural financial markets, so it is also the responsibility of local governments to strengthen the risk management of village banks to avoid the regional turbulence of rural economy. On the basis of relevant research at home and abroad, this paper expounds the basic characteristics, development status and possible risk problems of village banks in China. Based on the experience of American community banks with mature risk management mechanism in similar types of banks abroad, the paper analyzes the structure, operation principle and key advantages of the risk management mechanism. This paper puts forward the conception of establishing the risk management mechanism of village banks in our country. This paper holds that the risk management of village banks should not be limited to the risk management and crisis management within the village banks, but should be set up from a macro perspective, and a set of rigorous, comprehensive and complete risk management mechanism of village banks should be established. By the China Banking Regulatory Commission and the local government as the key body of responsibility, establish a unified regulatory body, a comprehensive risk monitoring system, and cooperate to select and implement risk management methods in order to be timely, efficient, prudent and rigorous, On the principle of minimizing risk and reasonably eliminating, adopting the methods of rectifying and rectification, custody and takeover, merger and acquisition, administration, bankruptcy liquidation, and so on, and carrying out targeted supervision and management of village banks in different situations, To guide village banks to improve their internal risk control system, to promote fair competition of village banks, and to optimize the resource circulation of rural financial markets; at the same time, to ensure the smooth operation of this management mechanism without any worries, We also need to improve the relevant legal system and establish an effective deposit insurance system as the support.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35
【引证文献】
相关期刊论文 前3条
1 丁皓忱;;我国村镇银行发展对策[J];河北联合大学学报(社会科学版);2014年04期
2 谢玉琴;;如何加强村镇银行内部管理工作的思考[J];商业文化;2014年29期
3 谢玉琴;;村镇银行管理发展之我见[J];商业文化;2014年32期
，本文编号：2291968
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