黑龙江省村镇银行风险防范研究
发布时间：2018-10-08 12:24
【摘要】：十八大将解决“三农”问题看作是全党工作重中之重,提出在广大农村地区加大政策支持的力度,使当地农民尽快脱贫致富,通过出台惠农富农政策,完善现有农村基本经营制度。提高农民专业化合作程度,加快股份制建设,尽快落实新型经营主体的,扩张现有规模经营的基础,构建更具专业性,更具组织性,更具社会化的新型农业经营体系。国家在引导政策性和商业性金融机构重返农村地区的同时,也出台了各项政策鼓励新型农村金融机构的设立。 作为新型农村金融机构主导力量的村镇银行,在黑龙江省自2008年初试点以来得到了较快的发展。截至2013年末,黑龙江省现已开设村镇银行22家,黑龙江省十分重视村镇银行的发展,在农村金融发展“十二五”规划当中,把村镇银行实现县域全覆盖,作为发展目标之一,并且将持续推进村镇银行的组建工作包括在重点任务范围之内,村镇银行的未来可谓前景光明。村镇银行的出现对于黑龙江省农村金融市场起到了激活作用,使现有农村金融组织体系得到了丰富和完善,农村金融供货渠道较以往更加健全,村镇银行推动了市场竞争力的发展。然而,由于村镇银行是农村金融机构的一种新形式,在黑龙江省行时间短,发展不足,仍处于发展初期,政策制度不能面面俱到存在欠缺,风险防范水平偏低,存在信用资产质量差,风险厌恶情绪等诸多问题。限制了村镇银行的可持续发展,影响其更好地服务于当地新农村建设。因此,应该学习国外的先进经验,积极扩大农村银行风险防范的管理理念,以提高村镇银行的风险防范水平,逐步建立和完善风险防范管理体系。 本文围绕黑龙江省村镇银行风险问题展开研究,目的在于揭示黑龙江省村镇银行的风险现状及引发原因,得出影响村镇银行风险的主要因素,最终提出完善黑龙江省村镇银行风险防范的对策建议。文章首先系统回顾和总结了国内外学者关于村镇银行及其风险问题的研究成果,以马克思金融理论和西方金融风险理论作为本篇文章的理论基础与支撑。其次,从黑龙江省村镇银行自设立以来的发展历程及发展现状出发,概括总结出黑龙江省村镇银行自2008年开展试点以来的信用风险、流动性风险、操作风险的现状。并对其风险成因进行深刻剖析。再次,结合黑龙江省村镇银行发展现状的基础,运用层次分析法对黑龙江省村镇银行风险影响因素指标体系进行了构建,对村镇银行风险影响因素进行了实证研究,确定了影响因素的相应比例,操作性和可行性较强。在实证结果的支撑下,从完善村镇银行自身建设与优化外部环境两个层面提出防范黑龙江省村镇银行风险的对策建议。
[Abstract]:The 18th National Congress regarded solving the "three rural" problems as the top priority of the whole party's work, and proposed to increase policy support in the vast rural areas, so that local farmers can get rid of poverty and become rich as soon as possible, and through the introduction of policies to benefit peasants and rich peasants, Improve the existing basic rural management system. We should improve the specialized cooperation of farmers, speed up the construction of stock system, implement as soon as possible the basis of the new type of management main body and expand the existing scale management, and construct a new agricultural management system with more professional, more organized and more socialized agricultural management system. While leading policy and commercial financial institutions to return to rural areas, the state has also issued various policies to encourage the establishment of new rural financial institutions. As the leading force of new rural financial institutions, village banks have developed rapidly in Heilongjiang Province since the beginning of 2008. By the end of 2013, 22 village banks had been set up in Heilongjiang Province. Heilongjiang attached great importance to the development of village banks. In the 12th Five-Year Plan for Rural Financial Development, it took village banks to achieve full county coverage as one of the development goals. And will continue to promote the establishment of village banks, including within the scope of key tasks, the future of village banks can be said to be bright prospects. The emergence of village banks has activated the rural financial market in Heilongjiang Province, enriched and perfected the existing rural financial organization system, and improved the supply channels of rural finance. Village banks promote the development of market competitiveness. However, because the village bank is a new form of the rural financial institution, it is short time and insufficient development in Heilongjiang Province, still in the early stage of development, the policy system can not have all the deficiencies, the level of risk prevention is on the low side. There are many problems such as poor quality of credit assets, risk aversion and so on. It limits the sustainable development of the village bank and affects its better service to the local new rural construction. Therefore, we should learn from the advanced experience of foreign countries, actively expand the management concept of risk prevention in rural banks, improve the risk prevention level of village banks, and gradually establish and perfect the risk prevention management system. The purpose of this paper is to reveal the present situation and causes of the risk of the village bank in Heilongjiang province, and to obtain the main factors that affect the risk of the village bank in Heilongjiang province. Finally, the countermeasures and suggestions to improve the risk prevention of village banks in Heilongjiang province are put forward. Firstly, this paper systematically reviews and summarizes the research achievements of scholars at home and abroad on village banks and their risks, taking Marx's financial theory and western financial risk theory as the theoretical basis and support of this article. Secondly, starting from the development process and present situation of Heilongjiang village bank since its establishment, the paper summarizes the status quo of credit risk, liquidity risk and operation risk of Heilongjiang village bank since 2008. And the causes of its risk are deeply analyzed. Thirdly, based on the current situation of village bank development in Heilongjiang province, the paper constructs the index system of risk influencing factors of village bank in Heilongjiang province by using the analytic hierarchy process, and makes an empirical study on the influencing factors of village bank risk. The corresponding proportion of the influencing factors is determined, and the operation and feasibility are strong. Under the support of the empirical results, this paper puts forward countermeasures and suggestions to prevent the risk of village banks in Heilongjiang Province from the two aspects of perfecting the self-construction of village banks and optimizing the external environment.
【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
本文编号：2256737
[Abstract]:The 18th National Congress regarded solving the "three rural" problems as the top priority of the whole party's work, and proposed to increase policy support in the vast rural areas, so that local farmers can get rid of poverty and become rich as soon as possible, and through the introduction of policies to benefit peasants and rich peasants, Improve the existing basic rural management system. We should improve the specialized cooperation of farmers, speed up the construction of stock system, implement as soon as possible the basis of the new type of management main body and expand the existing scale management, and construct a new agricultural management system with more professional, more organized and more socialized agricultural management system. While leading policy and commercial financial institutions to return to rural areas, the state has also issued various policies to encourage the establishment of new rural financial institutions. As the leading force of new rural financial institutions, village banks have developed rapidly in Heilongjiang Province since the beginning of 2008. By the end of 2013, 22 village banks had been set up in Heilongjiang Province. Heilongjiang attached great importance to the development of village banks. In the 12th Five-Year Plan for Rural Financial Development, it took village banks to achieve full county coverage as one of the development goals. And will continue to promote the establishment of village banks, including within the scope of key tasks, the future of village banks can be said to be bright prospects. The emergence of village banks has activated the rural financial market in Heilongjiang Province, enriched and perfected the existing rural financial organization system, and improved the supply channels of rural finance. Village banks promote the development of market competitiveness. However, because the village bank is a new form of the rural financial institution, it is short time and insufficient development in Heilongjiang Province, still in the early stage of development, the policy system can not have all the deficiencies, the level of risk prevention is on the low side. There are many problems such as poor quality of credit assets, risk aversion and so on. It limits the sustainable development of the village bank and affects its better service to the local new rural construction. Therefore, we should learn from the advanced experience of foreign countries, actively expand the management concept of risk prevention in rural banks, improve the risk prevention level of village banks, and gradually establish and perfect the risk prevention management system. The purpose of this paper is to reveal the present situation and causes of the risk of the village bank in Heilongjiang province, and to obtain the main factors that affect the risk of the village bank in Heilongjiang province. Finally, the countermeasures and suggestions to improve the risk prevention of village banks in Heilongjiang province are put forward. Firstly, this paper systematically reviews and summarizes the research achievements of scholars at home and abroad on village banks and their risks, taking Marx's financial theory and western financial risk theory as the theoretical basis and support of this article. Secondly, starting from the development process and present situation of Heilongjiang village bank since its establishment, the paper summarizes the status quo of credit risk, liquidity risk and operation risk of Heilongjiang village bank since 2008. And the causes of its risk are deeply analyzed. Thirdly, based on the current situation of village bank development in Heilongjiang province, the paper constructs the index system of risk influencing factors of village bank in Heilongjiang province by using the analytic hierarchy process, and makes an empirical study on the influencing factors of village bank risk. The corresponding proportion of the influencing factors is determined, and the operation and feasibility are strong. Under the support of the empirical results, this paper puts forward countermeasures and suggestions to prevent the risk of village banks in Heilongjiang Province from the two aspects of perfecting the self-construction of village banks and optimizing the external environment.
【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
【参考文献】
相关博士学位论文 前1条
1 吴治成;农村新型金融组织风险管理问题研究[D];东北农业大学;2012年
，本文编号：2256737
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