黑龙江省农村金融合作社运营风险管理研究

发布时间：2018-01-10 04:03

本文关键词：黑龙江省农村金融合作社运营风险管理研究　出处：《齐齐哈尔大学》2014年硕士论文　论文类型：学位论文

【摘要】：农业是我国的基础产业，“农业、农村、农民”一直是关系民生的重要问题，要解决“三农”问题最重要是资金支持。农村金融合作社是以支持“三农”发展做为经营目标，是农村金融市场中的主力军。温家宝总理曾说：“中国大粮仓，拜托黑龙江”，黑龙江省是我国的农业大省，地处东北老工业基地，经济发展滞后，农业发展急需金融支持。黑龙江省农村合作金融在农村金融市场占主要地位，但是在发展过程中，历史遗留问题多、信贷资产不合理、不良贷款率高、资本充足率低、经营管理不科学等问题一直阻碍着农村合作金融机构的改革发展。因此，本文以黑龙江省农村合作金融机构中占主导地位的农村信用社为研究对象，首先分析资金运营过程中的风险存在的原因；其次，在识别运营风险影响因素基础上构架风险评价体系；最后为提高黑龙江省农村金融合作社运营风险管理提出可行性建议与对策。本文共有五部分，首先介绍本文选题的背景、目的以及意义，归纳总结国内外关于农村合作金融风险管理研究现状，在此基础上提出研究本文的总体思路与创新之处。第二部分是介绍了农村合作金融的发展的基本理论，在明确合作经济的发展、合作金融的原则的基础上，总结国内外比较典型的合作金融运营发展的经验；对相关金融风险管理理论介绍基础上，界定了本文研究的农村合作金融的运营风险管理的概念。第三部分是从黑龙江省农村金融合作社资金运营过程中的外部金融生态环境与内部经营管理两个方面分析其存在的风险以及问题，在识别风险的同时总结黑龙江省农村金融合作社运营风险管理的问题。第四部分是在第三部分识别运营风险的基础上构建风险评价模型，风险评价指标体系包括外部金融生态环境和内部管理方面的因素，通过AHP赋予各指标权重，利用指标评分计算综合得分，，最后对黑龙江省农村金融合作社风险状况进行综合评价。第五部分是在对以上章节研究的基础上对黑龙江省农村金融合作社的运营风险管理提出可行性建议，对运营风险进行规避与防范。
[Abstract]:Agriculture is the foundation of our country industry, "agriculture, countryside and farmers" is the important issue of people's livelihood, to solve the "three rural issues" is the most important financial support. The Rural Financial Cooperatives is to support the development of "three agriculture" as the management goal, is the main force in the rural financial market. Premier Wen Jiabao once said: "Chinese big barn, please. Heilongjiang, Heilongjiang province is a major agricultural province in China, located in the northeast old industrial base, economic development lags behind, the agricultural development of much-needed financial support in Heilongjiang province. The rural cooperative finance in rural financial markets dominate, but in the process of development, historical issues, credit assets reasonable, high rate of non-performing loans, low capital adequacy, scientific management and other problems have been hindering the reform and development of rural cooperative financial institutions. Therefore, this paper takes Heilongjiang province rural cooperative financial institutions accounted for The dominant position of the rural credit cooperatives as the research object, firstly analyzes the causes of venture capital in the operation process; secondly, in recognition of the operational risk factors based on the framework of risk evaluation system; finally, in order to enhance the Heilongjiang Province Rural Financial cooperatives operating risk management put forward feasible suggestions and Countermeasures.
This paper consists of five parts, the first introduces the background, purpose and significance, summarizes the domestic and foreign about rural cooperative financial risk management research status, on the basis of the general idea and innovation. The second part is to introduce the basic theory of the development of rural cooperative finance, the development of clear economic cooperation. Based on the principle of cooperative finance, summarize the experience of the typical cooperative financial operation and development at home and abroad; to introduce related theory of financial risk management on the basis of this study, defines the concept of rural cooperative finance operational risk management. The third part is the analysis of risk and its existing problems from two aspects of rural areas in Heilongjiang province the capital operation of Financial Cooperatives external financial ecological environment and internal management, summarizes the Heilongjiang Province agricultural village of gold in identifying the risk at the same time For the fusion problem of risk management agency operation. The fourth part is the risk evaluation model based on the third part of the operating risk identification, risk evaluation index system including factors of external financial environment and internal management, through the weight of each index is given by AHP, the total score index score, the last comprehensive evaluation of risk in rural areas Financial Cooperatives in Heilongjiang province. The fifth part is based on the above chapters on the Heilongjiang Province Rural Financial cooperatives operating risk management put forward feasible suggestions on the operation and risk prevention.

【学位授予单位】：齐齐哈尔大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35;F272.3

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