吉林省村镇银行风险防范措施研究

发布时间：2018-05-01 20:35

本文选题：吉林省村镇银行 + 农村金融　；参考：《吉林财经大学》2017年硕士论文

【摘要】：中国经济的发展需要金融领域的大力支持,而农村金融领域作为中国金融业较为薄弱的一环,银监会2006年出台了相关政策鼓励新型农村金融机构建设以支持农村地区经济金融的发展,其中包括:村镇银行和贷款公司以及农村资金互助社在内的新型农村金融机构等,在增量上实行改革。村镇银行自2007年以来,得到了蓬勃的发展,但作为银行类金融机构,在追求利润最大化目标时,伴随着是风险的加大;再加上村镇银行作为新兴银行,人们对其了解不多,虽然存款利率高,但人们更青睐于到其他金融机构办理存款业务。即使存入也可能到期立即取出,投资心理较弱。并且农户信用程度不高等,虽然采取五户联保的措施,贷款发放快,可是依然存在农户不及时归还借款的现象,流动风险以及信用风险令人堪忧。吉林省自古以来都是农业大省,在调动社会一切积极力量对村镇银行进行建设时,不可忽略风险的存在。截至2017年2月末,吉林省村镇银行已有61家,正在筹建的有4家,已经基本实现了全省县域的全覆盖模式,吉林省村镇银行以自己独有的优势——存款利率高,贷款发放快在广大农村地区发挥着巨大作用,为吉林省的农村金融做出卓越的贡献。本文采用的是德尔菲法,根据吉林省农村金融方面的专家以及村镇银行从业人员研究出吉林省村镇银行风险的影响因素,通过所构建的层次分析法模型,对各风险进行相对重要性分析,对指标层风险因素进行排序,最后有针对性地提出风险防范的意见。本文共分六大部分:第一章,选题的背景与意义;村镇银行风险国内、外的研究现状;研究内容和方法,论文的结构、创新点。第二章,村镇银行风险防范的理论基础。第三章,吉林省村镇银行发展现状及存在的风险。第四章,运用层次分析法对通过德尔菲法分析出的13个主要风险指标进行定性和定量评估,对其进行总体的排序。其中,现金比率、不良贷款率,备付金比率、短期资产流动性比率、法人治理结构分列前5。可见,流动性风险最大,第二是信用风险第三是操作风险,最后是市场风险。第五章,根据前文所得出的数据分析吉林省村镇银行风险成因。第六章,通过前文原因分析,针对各个风险提出了相应的对策建议,希望对吉林省村镇银行的可持续发展有一定的借鉴意义。
[Abstract]:The development of China's economy needs strong support from the financial sector, while the rural financial sector is a relatively weak link in China's financial sector. The CBRC issued policies in 2006 to encourage the construction of new rural financial institutions to support the economic and financial development in rural areas, including village banks and loan companies, and new rural financial institutions, such as rural mutual aid societies, etc. Carry out reforms in increments. Village banks have been booming since 2007, but as banking financial institutions, in pursuit of profit maximization goals, accompanied by increased risk, plus village banks as emerging banks, people do not know much about them. Although deposit rates are high, people prefer to go to other financial institutions for deposit business. Even if the deposit may be due for immediate withdrawal, investment psychology is weak. And the credit degree of peasant household is not high, although the measures of five households protection are adopted, the loan is issued quickly, but there still exists the phenomenon that the farmer does not repay the loan in time, and the liquidity risk and credit risk are worrying. Jilin Province has been a big agricultural province since ancient times. By the end of February 2017, there were 61 village and town banks in Jilin Province, four of which were in the process of being built. They had basically realized the mode of full coverage in the counties of the province. The village and town banks in Jilin Province had a unique advantage of high deposit interest rates. Loan issuance is playing a great role in the rural areas and makes outstanding contributions to the rural finance of Jilin Province. This paper uses Delphi method, according to Jilin Province rural finance experts and village bank practitioners to study the risk factors of Jilin Province village banks, through the establishment of the Analytic hierarchy process model, The relative importance of each risk is analyzed, the risk factors of index layer are sorted, and the advice of risk prevention is put forward. This paper is divided into six parts: the first chapter, the background and significance of the topic; the domestic and foreign research status of rural bank risk; research content and methods, the structure of the paper, innovation. The second chapter is the theoretical basis of risk prevention of village banks. The third chapter, Jilin Province village bank development present situation and the existence risk. In the fourth chapter, the qualitative and quantitative evaluation of 13 main risk indicators by Delphi method is carried out, and the overall ranking is made. Among them, cash ratio, non-performing loan ratio, reserve ratio, short-term asset liquidity ratio, corporate governance structure of the top 5. Visible, liquidity risk is the largest, the second is credit risk, the third is operational risk, and finally is market risk. The fifth chapter, according to the data obtained above, Jilin Province village bank risk causes. The sixth chapter, through the reason analysis above, puts forward the corresponding countermeasures and suggestions in view of each risk, hoping to have certain reference significance to the sustainable development of the village and town bank of Jilin province.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35

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