李石村镇银行经营风险识别与防范体系构建研究

发布时间：2018-02-16 15:02

本文关键词： 李石村镇银行经营风险风险识别风险防范体系构建　出处：《东北大学》2012年硕士论文　论文类型：学位论文

【摘要】：随着国家对“三农”支持力度的不断增强,农村经济得到了快速的发展,农民对金融服务的需求越来越迫切,原有的农村金融体系己经不能适应现阶段的农村经济发展。村镇银行的成立,对于促进农村地区投资多元、服务高效、覆盖全面的新型农村金融体系的形成,更好地改善农村金融服务,促进农村地区的和谐发展,具有十分重要的意义。因此,村镇银行作为新型农村金融机构,研究其经营风险与构建防范体系尤为重要。本文通过对我国村镇银行风险来源和风险类型的总结,结合李石村镇银行自身的经营情况,对李石村镇银行的经营风险进行了识别与评价,并对其经营风险防范体系的构建进行了有益的探索。首先,本文阐述了村镇银行的业务定位、经营风险来源与类型、风险识别方法与评价方法。其次,介绍了李石村镇银行的发展历程和经营业务等,并从盈利能力、流动性状态和安全性指标三方面分析了它的经营绩效。再次,对李石村镇银行的经营风险来源、风险类型进行了分析,认为李石村镇银行主要存在三类经营风险,即信用风险、流动性风险和操作风险,并对其经营风险等级进行了评价,得出经营风险等级为A级(蓝色),经营比较稳健。最后,针对李石村镇银行经营过程中面临的风险,从风险防范组织体系、风险防范管理制度、风险分类管理及分级管控几个方面,提出了经营风险防范体系构建的思路与方法。
[Abstract]:With the increasing support of the country to the "three rural areas", the rural economy has been developing rapidly, and the farmers' demand for financial services is becoming more and more urgent. The original rural financial system has been unable to adapt to the present stage of rural economic development. The establishment of village and town banks has contributed to the formation of a new rural financial system with diversified investment, efficient service and comprehensive coverage in rural areas. It is of great significance to improve rural financial services and promote the harmonious development of rural areas. Therefore, as a new type of rural financial institutions, it is very important for village banks to study their management risks and build a preventive system. Based on the summary of the risk sources and risk types of village banks in China and the management situation of Li Shi Village Bank, this paper identifies and evaluates the operating risk of Li Shi Village Bank. At first, this paper expounds the business orientation, the source and type of management risk, the method of risk identification and evaluation. This paper introduces the development course and business operation of Li Shi Cun Bank, and analyzes its operating performance from three aspects: profitability, liquidity status and security index. Thirdly, the source of operating risk of Li Shi Cun Bank is analyzed. Based on the analysis of risk types, it is concluded that there are three kinds of operating risks, namely credit risk, liquidity risk and operational risk, and the grade of operating risk is evaluated. Finally, aiming at the risks faced in the process of operation of Li Shi Village Bank, from the risk prevention organization system, the risk prevention management system, This paper puts forward the ideas and methods of constructing management risk prevention system in several aspects of risk classification management and management.
【学位授予单位】：东北大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35;F272.3

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