中国村镇银行的主要风险及其侦测工具

发布时间：2019-02-14 15:33

【摘要】：村镇银行作为中国农村金融市场的新生事物,为服务“三农”所做出的贡献逐渐得到认可。这些年,村镇银行迅速发展,很快在农村地区占有了一席之地。村镇银行的重要性日显突出。目前,村镇银行在经营发展中,面临了不少风险,其主要风险有信用风险、流动性风险和操作风险。村镇银行由于自身独有的特点,风险防御能力弱,研究有效的风险侦测工具对于风险的防范和控制有着重要的意义。本文分为三大部分,第一部分为第一、第二章,对中国村镇银行的发展概况做了简单陈述,第二部分为第三章,说明了信用风险、流动性风险和操作风险的涵义、特征和成因,同时介绍了风险侦测工具的理论基础。第三部分为第四、第五章,以汇丰村镇银行为背景,详述了三种风险侦测工具的设计,最后第五章作了总结。
[Abstract]:As a new thing in China's rural financial market, village bank has been recognized for its contribution to agriculture, countryside and farmers. Over the years, village banks have developed rapidly and quickly gained a place in rural areas. The importance of village banks is becoming increasingly prominent. At present, village banks are faced with a lot of risks, including credit risk, liquidity risk and operation risk. Because of its own unique characteristics, village banks have weak ability of risk defense, so it is of great significance to study effective risk detection tools for risk prevention and control. This paper is divided into three parts, the first part is the first part, the second part is a brief statement of the development of rural banks in China, the second part is the third chapter, which explains the meaning, characteristics and causes of credit risk, liquidity risk and operational risk. At the same time, the theoretical basis of risk detection tools is introduced. The third part is the fourth chapter, the fifth chapter, taking the HSBC Village Bank as the background, elaborated three kinds of risk detection tool design, finally made the summary in the fifth chapter.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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