农村商业银行金融风险防范问题研究.doc

农村商业银行金融风险防范问题研究

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摘要
农村商业银行作为我国金融机构中基层的金融合作组织，是当前发展农村经济的重要支柱。经过了60年的发展壮大，农村商业银行在农村、农业、农民的金融服务中发挥了其他金融机构无法替代的重要作用。随着我国经济的不断发展，农村商业银行的金融风险也在逐渐扩大。农村商业银行作为高风险的银行业，其风险管理工作对有效预防风险显得尤为重要。本文从对金融风险的研究入手，首介绍了金融风险的本质和特点，以及发达国家在防范和治理合作社金融风险方面一些成功的做法和经验，及其对我国农村商业银行经营带来的一些有益的启示。其次，结合我国农村商业银行经营发展的现状，对其当前普遍存在的风险进行了论述。然后是系统分析了风险形成的主客观原因。最后结合农村商业银行发展实际，提出了化解与防范金融风险的对策。

关键词：农村商业银行 金融风险 风险控制

Abstract

Rural commercial bank as the financial institution of our country financial cooperation organization at the grassroots level is the important pillar of the current development of rural economy. After 60 years of development, rural commercial Banks in the financial services in rural areas, agriculture and farmers has played an irreplaceable important role in other financial institutions. With the continuous development of economy in our country, rural financial risks of commercial Banks has also been gradually expanding. Rural commercial bank, as a high risk of banking, the risk management for effective risk prevention is particularly important. This article obtains from the study of financial risk, this paper introduces the nature and characteristics of financial risk, and the developed countries in the aspect of financial risk prevention and governance cooperative some successful practice and experience, and to our country rural commercial bank management bring some beneficial enlightenment. Secondly, combining the current situation of the development of China's rural commercial bank management, this paper discusses the risks of its current widespread. Then the system analysis of the risk formation of subjective and objective reasons. Finally, according to the development of rural commercial bank, puts forward the measures to resolve and prevent financial risks.


Keywords:Rural Commercial Bank Financial Risk Risk Control


目录

第1章 我国农村商业银行概述,,,,,...............................1
1.1我国农村商业银行发展的历程..................................1
1.1.1农村商业银行的诞生........................................1
1.1.2农村商业银行的发展........................................1
1.1.3农村商业银行的改革........................................1
1.1.4农村商业银行的质变........................................2
1.2农商行在我国经济发展中的意义和地位...........................2
1.2.1农商行积极支持县域经济的发展...............................2
1.2.2农商行对农村经济发展所做的贡献和作用.......................3
1.3农村商业银行发展的现状......................................4
1.3.1我国农村商业银行的总体发展现状............................4
1.3.2我国农村商业银行跨区域发展的现状...........................4
第2章 农村商业银行金融风险概况.................................6
2.1 农村商业银行金融风险概述....................................6
2.1.1金融风险的本质............................................6
2.1.2金融风险的特点............................................6
2.2 农村商业银行金融风险的类型..................................7
2.2.1经营风险..................................................7
2.2.2行业风险..................................................8
2.2.3政策风险..................................................8
2.2.4其他风险..................................................8
2.3经济转轨期的风险源，对农商行的新挑战.........................9
2.3.1转轨时期，农商行“内部控制”问题............................9
2.3.2我国经济转型期产生的寻租现象...............................9
2.3.3竞争环境日趋激烈..........................................10
2.4 农村商业银行金融风险的原因分析.............................10
2.4.1银行内控管理不完善，造成制度制定和执行的脱节..............10
2.4.2银行缺乏有效的信用风险防范和控制手段.....................10
2.4.3缺乏科学的外部风险评估机制...............................11
2.4.4贷款风险责任不明确和贷后检查机制不健全...................11
第3章 日本、美国农村合作金融的分析及借鉴.......................12
3.1日本农村合作金融...........................................12
3.1.1日本农村合作金融的组织模式...............................12
3.1.2日本农村合作金融的风险防范...............................13
3.2美国农村合作金融...........................................14
3.4日本、美国农村合作金融对我国的启示..........................15
第4章 我国农村商业银行风险防范的对策..........................18
4.1加强农村商业银行内部管理，构建完善的内控制度................18
4.2建立有效的农村商业银行风险管理机制..........................18-b..