我国村镇银行风险防范研究

发布时间：2018-01-03 16:32

本文关键词：我国村镇银行风险防范研究　出处：《时代金融》2017年18期 　论文类型：期刊论文

【摘要】：村镇银行激活了农村金融市场、搭建了农村金融供给的新渠道,丰富了农村的金融体系,推动了农村金融市场竞争程度的发挥。村镇银行运行的时间不长,发展还不太充分,问题的存在不可避免。随着村镇银行在金融创新力度方面的不断增强,金融风险问题日益成为诸多风险中的影响村镇银行发展的最为关键的问题。尚处于起步和探索阶段的我国村镇银行风险管理,表现为风险防范水平普遍不高,规避风险的能力也有待提高,信贷资产质量普遍偏低,这直接导致了个别村镇银行的轻微亏损的事件的发生,这一度制约了村镇银行的可持续发展,同时阻碍了社会主义新农村的服务建设的步伐。因此,积极寻找直接有效的途径来防范村镇银行领域风险的各类风险,促进风险管理的水平在村上银行领域的提高。本文就我国村镇银行的管理现状和各类风险的村镇程度现状进行了调查和预估,并从诸多方面进行了原因剖析,最后总结出了我国村镇银行在管理风险方面的一些具有实际可操作意义的举措。
[Abstract]:The village bank activates the rural financial market, builds the new channel of the rural financial supply, enriches the rural financial system, promotes the development of the rural financial market competition, and runs the village bank for a short time. The development is not enough, the existence of the problem is inevitable. With the strengthening of the financial innovation of the village banks. Financial risk has increasingly become the most critical problem affecting the development of village banks among many risks. The risk management of village banks in our country is still in the initial and exploring stage, which shows that the level of risk prevention is generally low. The ability to avoid risks also needs to be improved, the quality of credit assets is generally low, which directly leads to the occurrence of small losses of individual village banks, which once restricted the sustainable development of village banks. At the same time, it hinders the construction of new socialist rural services. Therefore, we actively seek direct and effective ways to prevent all kinds of risks in the field of village banks. To promote the level of risk management in the field of village banks. This paper investigates and estimates the current situation of the management of village banks and the degree of all kinds of risks, and analyzes the reasons from many aspects. Finally, the paper summarizes some practical measures of village banks in risk management.
【作者单位】：辽宁金融职业学院;
【分类号】：F832.35
【正文快照】： 一、我国村镇银行风险的现状以及成因分析。村镇银行风险的存在的必然性是有其本身经营的特点所决定的,这种风险的常态性贯穿于社会经济生活的方方面面,比如:并不是很强大的村镇银行自身的支付能力极大地损害了广大存款人的根本利益,毁损了现代化新型农村金融机构的对外声誉,

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