江苏省新型农村金融机构风险管理研究

发布时间：2018-05-14 02:12

本文选题：江苏省 + 新型农村金融机构　；参考：《中国矿业大学》2015年硕士论文

【摘要】：改革开放以来,江苏省经济得到了飞速增长。江苏省作为我国经济第二大省,非常重视农村金融的改革和发展。从2007年起,江苏省开始在农村试点设立新型农村金融机构。目前,江苏省新型农村金融机构得到了一定的发展,但江苏省新型农村金融机构在取得成效的同时,还存在市场定位不清晰、规模小、声誉和知名度不高、抗风险能力弱等诸多问题。一个完善的金融体系是以良好的风险的管理和控制为前提的。有鉴于此,研究江苏省新型农村金融机构的发展及风险控制具有重要的社会意义。本文结合江苏省实际,通过实地调查和问卷调查,分析江苏省发展新型农村金融机构中面临的风险来源,并运用层次分析法和专家打分等方法,将江苏省新型农村金融机构面临的风险影响因素指标进行分类排序,构建江苏省新型农村金融机构风险影响因素评价指标体系。另外,本文运用ARIMA模型对样本银行进行风险的分析和预测。最后,根据分析结果,得出江苏省新型农村金融机构风险内部控制和外部控制的对策和建议。本文通过对江苏省新型农村金融机构风险控制的研究,主要的结论是:(1)目前江苏省新型农村金融机构总体发展态势良好,需要进一步发展。(2)江苏省新型农村金融机构虽然在发展中也取得了一定的成绩,但是由于新型农村金融机构发展时间不长,规模较小,缺少发展经验,内部制度建设和风险防范机制还不够完善,且从业人员素质偏低,再加上法律法规和监管部门的针对新型农村金融机构滞后性,江苏省新型农村金融机构在经营发展的过程中面临较高的流动性风险、信用风险、操作风险等等。(3)只有内部风险控制和外部风险控制都做好了,才能真正做好江苏省新型农村金融机构的风险防范和风险管理工作。
[Abstract]:Since the reform and opening up, Jiangsu Province economy has been rapid growth. As the second largest province in economy, Jiangsu Province attaches great importance to the reform and development of rural finance. From 2007, Jiangsu Province began to set up new rural financial institutions in rural areas. At present, the new rural financial institutions in Jiangsu Province have been developed to a certain extent. However, while the new rural financial institutions in Jiangsu Province have achieved results, there are still some problems such as unclear market positioning, small scale, low reputation and reputation. The ability to resist risks is weak and so on. A sound financial system is premised on good risk management and control. In view of this, it is of great social significance to study the development and risk control of new rural financial institutions in Jiangsu Province. Based on the reality of Jiangsu Province, this paper analyzes the sources of risks in the development of new rural financial institutions in Jiangsu Province through field investigations and questionnaires, and applies the Analytic hierarchy process (AHP) and expert scoring methods. The new rural financial institutions in Jiangsu Province are classified and sorted out the risk influencing factors, and the evaluation index system of the risk factors of the new rural financial institutions in Jiangsu Province is constructed. In addition, this paper uses ARIMA model to analyze and forecast the risk of sample banks. Finally, according to the analysis results, the countermeasures and suggestions of risk internal control and external control of new rural financial institutions in Jiangsu Province are obtained. Through the study of risk control of new rural financial institutions in Jiangsu Province, the main conclusion is: (1) at present, the overall development situation of new rural financial institutions in Jiangsu Province is good. Although the new rural financial institutions in Jiangsu Province have also made some achievements in their development, the new rural financial institutions have not developed for a long time, have a relatively small scale, and lack development experience. The internal system construction and the risk prevention mechanism are not perfect, and the quality of the employees is on the low side. In addition, the laws, regulations and regulatory departments are lagging behind in view of the new rural financial institutions. In Jiangsu Province, new rural financial institutions are facing high liquidity risk, credit risk, operational risk and so on.) only internal risk control and external risk control have been done well. In order to do a good job in Jiangsu Province's new rural financial institutions risk prevention and risk management.
【学位授予单位】：中国矿业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.35

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