Y省农村信用社债券风险管控问题研究

发布时间：2018-03-09 20:06

本文选题：农村信用社　切入点：债券投资　出处：《云南师范大学》2014年硕士论文　论文类型：学位论文

【摘要】：农村信用社是我国社会主义市场经济中的重要组成部分，在我国金融机构中占有重要的地位，特别是在我国农村经济的发展过程中扮演着重要的角色。由于我国社会经济发展的历史原因，我国农村信用社在债券业务发展以及风险管理方面与科学管理的商业银行存在着较大差距，有很多风险管理问题需要解决。因此，深入开展农村信用社债券风险管控问题的研究，不断完善农村信用社债券风险管控制度，提高农村信用社抵御金融风险的能力，降低经营过程中的风险，提高农村信用社收益具有重要的推动作用。提高农村信用社债券风险管控能力，为我国农村经济发展提供有力的资金支持，对于推动我国社会主义新农村建设和全面建设小康社会具有重要的意义。本次论文研究以我国银行间债券市场为背景，以农村信用社债券管理为研究对象，根据我国商业银行债券管理理论，结合所学的经济学、金融学和管理学等学科综合知识，采用了拟采用文献检索法、定性分析和部分定量分析相结合、理论分析与实证分析相结合的研究方法。本文首先介绍了我国农村信用社债券风险管控发展的现状，其次结合Y省农村信用社债券投资业务的开展情况，，从信用风险、流动性风险、市场风险、集中度风险、管理风险及技术制约风险六个方面分析了Y省农村信用社在开展债券业务中风险管控存在的问题，分别从信用社主体、债券风险管控对象以及金融市场环境入手，找出影响Y省农村信用社债券风险管控的因素，并且对各因素进行了分析。最后给出了完善Y省农村信用社债券风险管控的对策和建议：一是优化风险管理体系；二是完善基础分析工作；三是加强债券投资风险管理的量化体系建设；四是合理确定市场定位，强化外部监督；五是加大债券投资专业人才的培养力度。
[Abstract]:Rural credit cooperatives are an important part of China's socialist market economy and play an important role in our financial institutions. In particular, it plays an important role in the development of China's rural economy. Because of the historical reasons of our country's social and economic development, There is a big gap between China's rural credit cooperatives and scientifically managed commercial banks in bond business development and risk management, and there are many risk management problems to be solved. Carry out in-depth research on bond risk control of rural credit cooperatives, improve the risk control system of rural credit cooperatives, improve the ability of rural credit cooperatives to resist financial risks, and reduce risks in the process of operation. Improving the income of rural credit cooperatives plays an important role in promoting the risk management of rural credit cooperatives bonds and providing strong financial support for the development of rural economy in China. It is of great significance to promote the construction of new socialist countryside and build a well-off society in an all-round way. This paper takes the interbank bond market of our country as the background, takes the bond management of the rural credit cooperatives as the research object, according to the theory of the bond management of the commercial bank of our country, combines the comprehensive knowledge of economics, finance and management, etc. This paper adopts the method of literature retrieval, the combination of qualitative analysis and partial quantitative analysis, and the combination of theoretical analysis and empirical analysis. This paper first introduces the current situation of bond risk control and development of rural credit cooperatives in China, and then combines with the development of bond investment business in Y province, from credit risk, liquidity risk, market risk, concentration risk. This paper analyzes the problems existing in risk control of rural credit cooperatives of Y province in carrying out bond business from six aspects of risk management and technical restriction, starting with the main body of credit cooperatives, the object of risk control and control of bonds and the financial market environment, respectively. Find out the factors that affect the risk control of rural credit cooperative bond in Y province, and analyze the factors. Finally, the countermeasures and suggestions to improve the risk management of rural credit cooperative bond in Y province are given: first, optimize the risk management system; The second is to perfect the basic analysis work; the third is to strengthen the quantitative system construction of bond investment risk management; the fourth is to rationally determine the market position and strengthen the external supervision; the fifth is to strengthen the training of bond investment professionals.
【学位授予单位】：云南师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35;F832.51

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