菏泽市农信社风险管控研究

发布时间：2018-04-12 00:29

本文选题：菏泽农信社 + 风险　；参考：《天津大学》2014年硕士论文

【摘要】：进入到21世纪90年代以来,全球进入经济转型时期,人类告别了工业时代,已经在向信息化时代迈进。国际上各种不稳定因素应运而生,以农信社为代表的国有商业银行作为服务于这个经济转型时期的举足轻重的角色,正在发挥着其应有的作用和光芒。面对着经济全球化的大环境和金融危机的挑战,“风险”已经成为金融机构经营运营过程中的顽疾,面对着各类各样的风险如信贷风险、财务风险、操作性风险、突发事件风险等不同的风险类型,金融机构应当制定出符合自身实际、抵御、防范风险的一套风险管控策略。本文在对风险管控相关理论进行综述的基础之上,对于菏泽农信社的主要风险进行了分析,菏泽农信社经历了一个长期发展改革的过程,这其中包括制度体系和管理体制的改革变迁。尽管菏泽农信社的改革发展总体上呈现着稳定可观的态势,但是仍然面对着财务风险、信贷风险、操作性风险与突发事件风险这样的中小型金融机构普遍会面对的风险。纵观菏泽农信社的内部管理体制,财务风险的成因主要是筹资规模策略不当、财务管理不规范、财务包袱重：信贷风险的成因主要是外部信用环境差、信贷管理松懈、缺失有效考评机制；操作风险的成因主要是内部控制执行不严格、业务流程风险点多；突发事件风险主要是人员业务素质低,内部控制不严格造成的。在分析菏泽农信社各类风险及风险成因的基础之上,提出针对菏泽农信社的风险管控的策略,分别在财务风险、信贷风险、操作风险三个层次上分别针对不通风险的特征进行针对性的提出相应策略。而财务风险和信贷风险又是最主要且伤害最具全局性的风险类型,在前文分析的基础上提出了建立健全信用社内部财务风险和信贷风险控制机制的相应措施。国有商业银行风险管控的研究总体上还处于起步阶段,在理论和经验上还存在很大的不足,但对于现如今金融业发展的巨大浪潮的冲击,提高以菏泽农信社为代表的中小型金融机构的核心竞争力、提高其风险管控水平,已经成为一项艰巨的任务。
[Abstract]:Since the 1990s, the whole world has entered the period of economic transformation, the mankind has bid farewell to the industrial era, and has been striding forward to the information age.Various unstable factors emerge as the times require in the world, and the state-owned commercial banks, represented by the rural credit cooperatives, are playing their due role and light as the pivotal role in serving the period of economic transformation.In the face of the great environment of economic globalization and the challenge of financial crisis, "risk" has become a persistent disease in the course of financial institutions' operation and operation, facing various kinds of risks, such as credit risk, financial risk, operational risk, etc.Financial institutions should formulate a set of risk control strategies that accord with their own reality, resist and prevent risks.On the basis of summarizing the related theories of risk control, this paper analyzes the main risks of Heze Rural Credit Cooperative, which has undergone a long period of development and reform.This includes system system and management system reform change.Although the reform and development of Heze Rural Credit Cooperative generally presents a stable and considerable situation, it still faces financial risk, credit risk, operational risk and unexpected risk.Throughout the internal management system of Heze Rural Credit Cooperative, the main causes of financial risk are improper financing scale strategy, non-standard financial management, heavy financial burden: the main causes of credit risk are poor external credit environment, lax credit management,Lack of effective evaluation mechanism; operational risk is mainly due to the implementation of internal control is not strict, business process risk points; emergency risk is mainly caused by the low quality of personnel business, internal control is not strictly caused.On the basis of analyzing all kinds of risks and the causes of risk in Heze Rural Credit Cooperative, this paper puts forward the risk control strategies for Heze Rural Credit Cooperative, which are respectively financial risk and credit risk.Three levels of operational risk are aimed at the characteristics of the risk and put forward the corresponding strategy.Financial risk and credit risk are the most important and harmful risk types. Based on the previous analysis, the paper puts forward the corresponding measures to establish and perfect the internal financial risk and credit risk control mechanism of credit cooperatives.The research on risk control of state-owned commercial banks is still in its infancy, and there are still some shortcomings in theory and experience.It has become a difficult task to improve the core competitiveness and risk control level of small and medium-sized financial institutions represented by Heze Rural Credit Cooperative.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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