村镇银行风险评估及控制研究
发布时间：2019-03-23 16:19
【摘要】：2007年3月，第一家村镇银行在四川成立。紧接着，村镇银行在全国各地纷纷成立。从2007年到现在，村镇银行对于促进农村经济发展、改善城乡二元经济结构、完善农村金融服务体系等方面发挥了重要作用。但是，村镇银行属于新型农村金融机构，成立的时间还不长，正处于起步发展阶段，抗风险能力还很弱，，一旦出现风险，将会给自身的经营带来威胁，甚至面临破产。村镇银行如果经营不善，不仅与最初成立时服务三农的目标背道而驰，而且会增加农村金融体系的负担，对农村经济的繁荣与发展造成负面影响。因此，科学地认识村镇银行的风险，合理地对其进行评估，并加以有效地防范和控制，能够大大减少村镇银行风险发生的概率，进而降低风险发生给村镇银行带来的损失，促进村镇银行更快、更好地发展。 本文共分为五个部分，其中第二、三、四章是本文研究的重点。第一章介绍了研究的背景、目的及意义，并对国内外学者的研究现状进行综述，为下文的研究做铺垫。第二章在第一章的基础上，对村镇银行及其风险的含义进行了界定，并分别对村镇银行和村镇银行风险的特点进行比较深入的分析；结合大型商业银行风险的类型和村镇银行自身的特殊性，提出村镇银行在实际运营中存在的七种类型的风险，并且详细分析了每种风险产生的根源及其相互联系。第三章根据上文提出的七种类型的风险构建村镇银行风险评估指标体系，该指标体系共包括8个二级指标和29个三级指标，然后阐述村镇银行风险评估的理论基础，即层次分析法和模糊综合评价法的理论部分。第四章是村镇银行风险的案例分析部分，以P市X村镇银行为例，运用第三章提出的模型对其运营风险的大小进行评估，首先运用层次分析法并计算出每一级指标的权重；其次，运用模糊综合评价法进行风险评估，结果表明，评估结果与X村镇银行的实际情况基本一致；最后针对该村镇银行的现实情况提出具体风险防范策略。第五章是文章的结尾部分，这部分对全文的研究进行总结，指出本研究的局限性和需要改进的方面，并对该领域的研究进行展望。
[Abstract]:In March 2007, the first village bank was established in Sichuan. Then, village and town banks in various parts of the country have been established. From 2007 to now, village and town banks have played an important role in promoting the development of rural economy, improving the dual economic structure of urban and rural areas, and perfecting the rural financial service system. However, the village and town banks belong to the new type of rural financial institutions, the establishment of which is not a long time, is in the initial stage of development, the ability to resist risks is still very weak, once there is a risk, will bring a threat to their own operations, and even face bankruptcy. If the village bank does not operate well, it not only runs counter to the goal of serving agriculture, rural areas and farmers at the beginning, but also increases the burden of the rural financial system and has a negative impact on the prosperity and development of the rural economy. Therefore, a scientific understanding of the risk of village and town banks, reasonable evaluation of them, and effective prevention and control, can greatly reduce the probability of village and town banks risk occurrence, and then reduce the risk to the village bank losses, Promote the village bank faster, better development. This paper is divided into five parts, of which the second, third and fourth chapters are the focus of this paper. The first chapter introduces the background, purpose and significance of the research, and summarizes the research status of scholars at home and abroad, which lays the groundwork for the following research. The second chapter, on the basis of the first chapter, defines the meaning of village bank and its risk, and analyzes the characteristics of village bank and village bank risk respectively. Combined with the risk types of large commercial banks and the particularity of village banks, this paper puts forward seven types of risks existing in the actual operation of village and town banks, and analyzes in detail the root causes of each kind of risks and their interconnections. The third chapter constructs the risk assessment index system of village and town bank according to the seven types of risk mentioned above. The index system includes 8 second-level indexes and 29 three-level indexes, and then expounds the theoretical basis of the risk assessment of village and town banks. That is, analytic hierarchy process and fuzzy comprehensive evaluation of the theoretical part. The fourth chapter is the case analysis part of the village bank risk, taking the P city X village bank as an example, using the model put forward in the third chapter to evaluate the operation risk, first, using the analytic hierarchy process (AHP) to calculate the weight of each level index; Secondly, the fuzzy comprehensive evaluation method is used to evaluate the risk. The result shows that the evaluation result is basically consistent with the actual situation of the X village bank. Finally, the concrete risk prevention strategy is put forward according to the actual situation of the village bank. The fifth chapter is the end of the article, this part summarizes the full text of the study, points out the limitations of this study and the aspects that need to be improved, and looks forward to the research in this field.
【学位授予单位】：大连工业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35
本文编号：2446013
[Abstract]:In March 2007, the first village bank was established in Sichuan. Then, village and town banks in various parts of the country have been established. From 2007 to now, village and town banks have played an important role in promoting the development of rural economy, improving the dual economic structure of urban and rural areas, and perfecting the rural financial service system. However, the village and town banks belong to the new type of rural financial institutions, the establishment of which is not a long time, is in the initial stage of development, the ability to resist risks is still very weak, once there is a risk, will bring a threat to their own operations, and even face bankruptcy. If the village bank does not operate well, it not only runs counter to the goal of serving agriculture, rural areas and farmers at the beginning, but also increases the burden of the rural financial system and has a negative impact on the prosperity and development of the rural economy. Therefore, a scientific understanding of the risk of village and town banks, reasonable evaluation of them, and effective prevention and control, can greatly reduce the probability of village and town banks risk occurrence, and then reduce the risk to the village bank losses, Promote the village bank faster, better development. This paper is divided into five parts, of which the second, third and fourth chapters are the focus of this paper. The first chapter introduces the background, purpose and significance of the research, and summarizes the research status of scholars at home and abroad, which lays the groundwork for the following research. The second chapter, on the basis of the first chapter, defines the meaning of village bank and its risk, and analyzes the characteristics of village bank and village bank risk respectively. Combined with the risk types of large commercial banks and the particularity of village banks, this paper puts forward seven types of risks existing in the actual operation of village and town banks, and analyzes in detail the root causes of each kind of risks and their interconnections. The third chapter constructs the risk assessment index system of village and town bank according to the seven types of risk mentioned above. The index system includes 8 second-level indexes and 29 three-level indexes, and then expounds the theoretical basis of the risk assessment of village and town banks. That is, analytic hierarchy process and fuzzy comprehensive evaluation of the theoretical part. The fourth chapter is the case analysis part of the village bank risk, taking the P city X village bank as an example, using the model put forward in the third chapter to evaluate the operation risk, first, using the analytic hierarchy process (AHP) to calculate the weight of each level index; Secondly, the fuzzy comprehensive evaluation method is used to evaluate the risk. The result shows that the evaluation result is basically consistent with the actual situation of the X village bank. Finally, the concrete risk prevention strategy is put forward according to the actual situation of the village bank. The fifth chapter is the end of the article, this part summarizes the full text of the study, points out the limitations of this study and the aspects that need to be improved, and looks forward to the research in this field.
【学位授予单位】：大连工业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35
【参考文献】
相关期刊论文 前5条
1 吴玉宇;唐意红;;我国村镇银行经营风险与防范[J];求索;2009年09期
2 曹冰玉;雷颖;;新型农村金融组织信贷风险的预警模型[J];求索;2010年11期
3 张蕙显;;村镇银行经营的挑战、机遇和策略探析[J];江苏商论;2010年01期
4 徐信艳;马晓青;;村镇银行发展的瓶颈及对策建议[J];上海农村经济;2010年12期
5 李光耀;刘晓红;;基于层次分析法的室内空气品质等级模糊综合评价[J];苏州大学学报(工科版);2006年03期
相关硕士学位论文 前2条
1 乔荣庆;基于层次分析法和模糊综合评价法的信息安全风险评估研究与应用[D];西安电子科技大学;2009年
2 吴鲁智;农村信用社运行风险评价研究[D];山东农业大学;2007年
本文编号：2446013
本文链接：https://www.wllwen.com/guanlilunwen/huobilw/2446013.html
