农村信用社风险及防范对策1.doc

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农村信用社风险及防范对策

摘要

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作出了深入的分析，并提出了一系列防范农村信用社风险的措施。本文主要从以下几个方面分析了农村信用社的风险，从农村信用社自身的发展情况，风险产生的原因和我国农村信用社面临的主要风险，通过认识风险评估的方法和农村信用社

的风险管理方法，以及VaR 模型在农村信用社风险管理中的应用，全面的了解

农村信用社的风险。

论文对农村信用社的风险防范对策，主要从三个方面提出来相关的建议和对策，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：农村信用社；风险；风险管理；防范措施

The rural credit cooperatives risk and

countermeasures

Abstract

In the wide attention and research under the background of risk,rural

credit cooperatives faces risk is especially,how to recognize and guard against the risk of rural credit cooperatives,rural credit cooperatives to futher development,it is significant.

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. This article mainly from the following several aspects analyzes the risk of rural credit cooperatives, from the development of the rural credit cooperatives itself, the causes of risk in

China's rural credit cooperatives and facing the main risk, by recognizing

the risk assessment method of rural credit cooperatives and risk management methods, as well as VaR model in the application of risk management of rural credit cooperatives, full understanding of the risk

of rural credit cooperatives.

Papers on the risk of rural credit cooperatives preventive measures,

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: Rural credit cooperatives；risk；Risk management；Preventive measures