三门峡农村金融风险及防范对策研究

发布时间：2018-04-11 01:07

本文选题：农村金融 + 风险　；参考：《河南大学》2012年硕士论文

【摘要】：中国是一个以农业人口为主体的发展中大国，农业是我国国民经济的基础，作为整个国民经济体系的重要组成部分，农村经济的快速发展，离不开农村金融的有效支持。在农村经济运行中，农村金融安排的科学合理不但能够减少农业生产者的借贷成本，而且能够为其分散来自于生产和经营过程中的多种风险，以增进农村经济活动的可预见性，从而促进农业生产和农村经济发展。然而，目前我国农村金融机构运营的效率不高，农村金融风险不断发生，因此，研究探索农村金融风险产生的原因及其防范化解措施，不仅有利于提高农村金融机构的经营管理水平，而且对于保护农民利益、促进社会稳定、提高资源配置效率都有十分重要的意义。本文以三门峡农村金融机构为研究对象，指出当前金融风险的现状，系统地分析了三门峡农村金融风险的发展现状，指出了三门峡农村金融风险存在的问题。从系统性风险和非系统性风险两方面来阐述金融机构风险问题形成的根源，结合当前中原经济区建设对三门峡农村金融的现实要求，提出了防范和化解三门峡农村金融风险的政策建议和措施，并着重指出加强金融风险监管，重视金融机构风险管理文化是解决三门峡农村金融风险的主要途径。全文主要分为五章。第一章绪论，，在阐述了本文选题背景，选题意义，介绍了目前国内外针对该问题的研究情况。第二章为农村金融风险概述，在介绍农村金融风险概念和特征的基础上，分析了我国农村金融风险的产生原因与农村的经济基础、金融机构自身管理等多种因素有关，具体包括农村经济发展的制约、农村金融机构人员素质偏低等原因。第三章为三门峡农村金融风险的状况，在查阅大量文献资料和广泛调研的基础上，肯定了三门峡近年来在农村经济发展以及机构变迁过程中所取得的成绩，同时指出三门峡地区在农村金融中存在众多的金融风险，农业基础薄弱导致抗风险能力低，资金需求分散带来一定的不稳定性，经营形式单一不能将风险分散等。第四章对三门峡农村金融风险产生的原因进行分析，从系统性风险和非系统性风险两方面来展开研究，强调缺乏稳定的农村经济基础是系统性风险产生的直接根源，农村金融机构自身的公司治理中风险管控文化的缺乏是非系统性风险产生的主要原因。第五章提出对三门峡农村金融风险的防范措施，开放农村金融市场引入竞争机制，提出要大力加快农村金融法制建设，加强金融监管力度来解决三门峡农村金融系统性风险。对于非系统性风险的解决，应重点从风险管理文化建设的角度出发，建立风险管理文化三道防线，提出创新金融服务等防范对策。
[Abstract]:China is a development of the agricultural population as the main body of the country, agriculture is the foundation of our national economy, as an important part of the national economy, the rapid development of the rural economy, cannot do without the effective support of rural finance. In the rural economy, rural financial arrangement can not only reduce the agricultural scientific and reasonable the producers of the cost of borrowing, but also a variety of dispersing risk comes from the production and management process for it, in order to promote the rural economic activity predictability, so as to promote agricultural production and rural economic development. However, at present, China's rural financial institutions operating efficiency is not high, the rural financial risks continue to occur, therefore, research and exploration rural financial risk causes and prevention and mitigation measures, not only conducive to the improvement of the rural financial institutions management level, but also to protect the interests of farmers, promote. It is of great significance to be stable and to improve the efficiency of the allocation of resources.
This paper takes Sanmenxia rural financial institutions as the research object, pointed out that the current situation of the financial risk, systematically analyzes the current development of rural financial risk in Sanmenxia, points out the existing problems of rural financial risk in Sanmenxia. To explain the causes of the risk of financial institutions from two aspects of system risk and non system risk, combined with the practical requirements of Sanmenxia rural finance the construction of the Central Plains Economic Zone, puts forward some policy suggestions and measures to prevent and dissolve the financial risks of Sanmenxia, and emphatically pointed out that strengthening the supervision and management of financial risks, financial institutions pay attention to risk management culture is the main way to solve the rural financial risk in Sanmenxia.
This paper is divided into five chapters. The first chapter is the introduction, describes the background, significance, at home and abroad are introduced to solve the problem. The second chapter is the research of rural financial risk, based on introducing the concept and characteristic of rural financial risk, analysis of China's rural financial risk causes and the rural economy foundation, related financial institutions own management, including restricting the development of rural economy, rural financial institutions, the low quality of personnel and other reasons. The third chapter is the Sanmenxia rural financial risk status, based on a large number of documents and extensive research, affirmed Sanmenxia in recent years in the process of changing rural economic development and the mechanism of the achievements, pointed out that the Sanmenxia area there are many financial risks in rural finance, the weak foundation of agriculture leads to the ability to resist risks Low demand for funds dispersed someunstable management form single will not risk dispersion. The fourth chapter analyzed reasons of rural financial risk in Sanmenxia, launches the research from two aspects of system risk and non system risk, emphasizing the lack of stable rural economy foundation is the direct source of systemic risks arising. The lack of risk management culture of corporate governance of rural financial institutions in their non system risk. The main reason of the fifth chapter of Sanmenxia rural financial risk prevention measures, open rural financial market to introduce competition mechanism, put forward to speed up the rural financial legal system construction, strengthen financial supervision to solve the Sanmenxia rural financial system risk. To solve the non system risk, should focus on the construction of risk management culture perspective, the establishment of risk management culture three Defense line, and put forward innovative financial services and other preventive measures.

【学位授予单位】：河南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.7

【参考文献】