农村信用社风险的形成及防范措施 论文

兰州大学

本科毕业论文

题目：农村信用社风险的形成及防范措施

摘要

在社会主义市场经济向纵深推进以及产业结构的战略性调整下，农村信用社在旧体制下积累形成的深层次矛盾不断暴露，金融风险日渐显现，严重制约着农村信用社的发展，已然危及到农村信用体系的金融安全。合作金融组织在我国拥有悠久的历史，建国后更加快速的发展，随着公有化程度的提高，农村信用合作社的合作性质被淡化，并被转化成国家银行在农村的基层机构。然而快速的发展也随之带来许多弊端，如：产权关系不明晰，法人治理结构不完善等问题都加剧了农村信用社风险的形成。因此，根据农村信用社风险形成的原因提出合理正确的改革方法，并严格的执行实施，对风险进行防范做到未雨绸缪，从而使农村信用社健康稳固的先前发展。在广泛关注和研究风险的背景下，农村信用社面临的风险是尤为突出的，如何正确认识和防范农村信用社的风险，对农村信用社的进一步发展来说，是具有很重要的意义。

本文从我国农村信用社的产生背景、性质出发，对农村信用社风险的成因做出了深入的分析，并提出了一系列防范农村信用社风险的措施。主要从三个方面提出相关的建议和对策，包括建立统一的风险管理机构和组织体系，明确各部门、各岗位的职责，做到层层防范可能产生的风险；建立风险的预警机制，加强对各行业间和客户个人的风险实施预警分析，将某些行业的变动趋势因素纳入风险预警系统指标体系中；要加强金融监管的力度，金融主管机关要加大对农村信用社风险的监督和管理，制定严格的制度，完善监管工作，指导农村信用社做好防范风险的管理。

关键词：金融风险风险管理防范措施

The rural cooperatives risk and countermeasures

Abstract

In the socialist market economy to advance in depth and the strategic adjustment of industrial structure, rural credit cooperatives in the deep-seated contradictions accumulated in the form of

the old system have been exposed, the financial risk is more and more obvious, which seriously restrict the development of rural credit cooperatives, rural credit system has endanger the financial security.Cooperative financial organization in our country has a long history, after the founding of more rapid development, with the socialization degree rise, rural credit cooperatives cooperation properties blurred, and was converted into the national bank in rural grassroots agencies. However rapid development has brought about many drawbacks, such as: property right relations are not clear, legal person governance structure not perfect etc. Problems are exacerbated the rural credit cooperatives the formation of the risk. Therefore according to the rural credit cooperatives of the risk formation of cause, the author puts forward some reasonable right reform methods, and strict implementation of the implementation of the risk prevention do save for a rainy day, so that the rural credit cooperatives health solid previous development.

This article from the background of China's rural credit cooperatives, properties of the causes of the risk of rural credit cooperatives made in-depth analysis, and put forward a series of measures to prevent the risk of rural credit cooperatives.And mainly from three aspects related

out Suggestions and countermeasures, including establish unity of risk management agencies and organization system, clear departments and the responsibilities of the position, do layers of guard against the risk of; Establish the risk of early warning mechanism, strengthen between sectors and individual customers of the implementation of the risk early warning analysis of some industries will change trend, the risk factors into the early warning system in the index system; To strengthen financial supervision of strength, financial competent authority will increase the risk of rural credit cooperatives of supervision and management, develop strict system, perfect the supervision work, guiding rural credit cooperatives to guard against the risk management.

Keywords:Financial risk;Risk management;Preventive measures