我国农村信用社操作风险管理研究

发布时间：2018-07-08 16:04

本文选题：农村信用社 + 操作风险　；参考：《东北农业大学》2014年硕士论文

【摘要】：金融是现代经济的核心与命脉。纵观阻碍我国农村发展的困难,农村金融的相对滞后是其中最紧迫而且最明显的一个问题。农村信用社不单单是银行金融机构,更是一方经济的首要推动力,对于保障农村经济稳定发展,推进新农村建设起到举足轻重的作用,但是由于农村信用社自身的弱质性和特殊性,使其在经营发展过程中几乎具备了操作风险发生的一切条件,即：点多面广、单个规模较小、经营管理水平相对较低、风险较大,致使风险隐藏的更深、散播的更广。同时,导致操作风险诱导性因素增多、不确定性因素增高、以及危害性逐步增加,使得操作风险损失事故频频发生,制约农村信用社进一步发展。故而,农村信用社不得不正视操作风险问题,不得不加强操作风险管理。如何在风险博弈中求生存、求发展,成为我国农村信用社在发展过程中亟待研究和有效解决的课题。本文紧紧围绕“农村信用社操作风险管理”这一主题,按着“风险识别——风险分析——风险衡量——风险处理”的步骤,从定性和定量两方面对其进行研究剖析,从而提出完善其操作风险管理的对策建议。按照理论联系实际的原则,首先总结国内外操作风险管理理论及其相关内容,构筑农村信用社操作风险管理的起点,为后面的写作奠定了理论基础。接下来,根据实际,立足现实,用描述性统计客观的指出近年来农村信用社操作风险损失明显增长和操作风险管理失当的状况,阐述人员、流程、系统、制度、外部环境等因素都会引致操作风险问题,影响风险管理发挥效能；以此实现对农村信用社操作风险的充分识别与分析。再次,针对如何评价农村信用社操作风险影响因素,建立了操作风险评价指标体系,结合各指标的特性,建立了一个经四层逐级细化的层次分析模型。运用建立的模型对操作风险进行了实例分析评价,将定性的操作风险影响因素转化为可以度量的值进行定量分析和研究,由此可指定相应的风险防范措施。研究结果显示,农村信用社操作风险产生的根源在于其制度弊端。因此,当前农村信用社应该把握主要矛盾,分清主次本末,重视并尽快改进的主要是存在于农村信用社自身的显著问题,在重点加强制度建设的同时,还应重视员工操作风险知识培训,不断提高员工素质；规范业务操作流程,保证风险管理工作有效执行；提高操作风管理技术水平；加强外部监管力度,营造良好的操作风险管理环境；构筑完备的电子网络信息系统保障系统稳健运行。以便农村信用社在日常运营过程中,成功的预防风险、应对和处理风险,取得实实在在的操作风险管理效果。
[Abstract]:Finance is the core and lifeline of modern economy. The relative lag of rural finance is one of the most urgent and obvious problems. Rural credit cooperatives are not only banks and financial institutions, but also the primary driving force of one side of the economy. They play an important role in ensuring the stable development of the rural economy and promoting the construction of new rural areas. However, because of its weakness and particularity, rural credit cooperatives almost have all the conditions for the occurrence of operational risks in the process of operation and development, that is, they have a wide range of points, a small single scale, a relatively low level of operation and management, and a higher risk. Causes the risk to hide deeper, the dissemination is wider. At the same time, it leads to the increase of operational risk inductive factors, the increase of uncertainty factors, and the gradual increase of harmfulness, which makes operational risk loss accidents occur frequently and restricts the further development of rural credit cooperatives. Therefore, the rural credit cooperatives have to face up to operational risk problems, have to strengthen operational risk management. How to survive and develop in the risk game has become an urgent task to be studied and effectively solved in the process of development of rural credit cooperatives in China. This paper focuses on the theme of "operational risk management of rural credit cooperatives", according to the steps of "risk identification-risk analysis-risk measurement-risk treatment", and analyzes it from both qualitative and quantitative aspects. Therefore, the countermeasures and suggestions for perfecting its operational risk management are put forward. According to the principle of integrating theory with practice, this paper first summarizes the theory of operational risk management at home and abroad and its related contents, constructs the starting point of operational risk management of rural credit cooperatives, and lays a theoretical foundation for the later writing. Then, according to the reality and based on reality, using descriptive statistics to objectively point out the obvious increase of operational risk loss and mismanagement of operational risk in rural credit cooperatives in recent years, expounding the personnel, process, system, system, The external environment and other factors will lead to operational risk problems and affect the effectiveness of risk management in order to fully identify and analyze the operational risks of rural credit cooperatives. Thirdly, in view of how to evaluate the influencing factors of the operational risk of rural credit cooperatives, the operational risk evaluation index system is established. Combining with the characteristics of each index, a hierarchical analysis model is established, which is refined by four layers step by step. The operational risk is analyzed and evaluated by using the established model, and the qualitative operational risk influencing factors are transformed into measurable values for quantitative analysis and research, and the corresponding risk prevention measures can be specified. The result shows that the root of the operational risk of rural credit cooperatives lies in its system malpractice. Therefore, at present, the rural credit cooperatives should grasp the principal contradiction, distinguish the primary and secondary aspects, attach importance to and improve the main problems existing in the rural credit cooperatives themselves as soon as possible, and at the same time focus on strengthening the system construction. We should also pay attention to the training of operational risk knowledge, improve the quality of employees, standardize the business operation process, ensure the effective implementation of risk management, improve the technical level of operation style management, strengthen external supervision, Create a good operating risk management environment and build a complete electronic network information system to ensure the stable operation of the system. So that rural credit cooperatives can successfully prevent risks, deal with and deal with risks, and achieve practical operational risk management results in the daily operation of rural credit cooperatives.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

【共引文献】