農(nóng)村商業(yè)銀行金融風(fēng)險防范問題研究

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摘要
農(nóng)村商業(yè)銀行作為我國金融機構(gòu)中基層的金融合作組織，是當(dāng)前發(fā)展農(nóng)村經(jīng)濟(jì)的重要支柱。經(jīng)過了60年的發(fā)展壯大，農(nóng)村商業(yè)銀行在農(nóng)村、農(nóng)業(yè)、農(nóng)民的金融服務(wù)中發(fā)揮了其他金融機構(gòu)無法替代的重要作用。隨著我國經(jīng)濟(jì)的不斷發(fā)展，農(nóng)村商業(yè)銀行的金融風(fēng)險也在逐漸擴(kuò)大。農(nóng)村商業(yè)銀行作為高風(fēng)險的銀行業(yè)，其風(fēng)險管理工作對有效預(yù)防風(fēng)險顯得尤為重要。本文從對金融風(fēng)險的研究入手，首介紹了金融風(fēng)險的本質(zhì)和特點，以及發(fā)達(dá)國家在防范和治理合作社金融風(fēng)險方面一些成功的做法和經(jīng)驗，及其對我國農(nóng)村商業(yè)銀行經(jīng)營帶來的一些有益的啟示。其次，結(jié)合我國農(nóng)村商業(yè)銀行經(jīng)營發(fā)展的現(xiàn)狀，對其當(dāng)前普遍存在的風(fēng)險進(jìn)行了論述。然后是系統(tǒng)分析了風(fēng)險形成的主客觀原因。最后結(jié)合農(nóng)村商業(yè)銀行發(fā)展實際，提出了化解與防范金融風(fēng)險的對策。

關(guān)鍵詞：農(nóng)村商業(yè)銀行 金融風(fēng)險 風(fēng)險控制

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


目錄

第1章 我國農(nóng)村商業(yè)銀行概述,,,,,...............................1
1.1我國農(nóng)村商業(yè)銀行發(fā)展的歷程..................................1
1.1.1農(nóng)村商業(yè)銀行的誕生........................................1
1.1.2農(nóng)村商業(yè)銀行的發(fā)展........................................1
1.1.3農(nóng)村商業(yè)銀行的改革........................................1
1.1.4農(nóng)村商業(yè)銀行的質(zhì)變........................................2
1.2農(nóng)商行在我國經(jīng)濟(jì)發(fā)展中的意義和地位...........................2
1.2.1農(nóng)商行積極支持縣域經(jīng)濟(jì)的發(fā)展...............................2
1.2.2農(nóng)商行對農(nóng)村經(jīng)濟(jì)發(fā)展所做的貢獻(xiàn)和作用.......................3
1.3農(nóng)村商業(yè)銀行發(fā)展的現(xiàn)狀......................................4
1.3.1我國農(nóng)村商業(yè)銀行的總體發(fā)展現(xiàn)狀............................4
1.3.2我國農(nóng)村商業(yè)銀行跨區(qū)域發(fā)展的現(xiàn)狀...........................4
第2章 農(nóng)村商業(yè)銀行金融風(fēng)險概況.................................6
2.1 農(nóng)村商業(yè)銀行金融風(fēng)險概述....................................6
2.1.1金融風(fēng)險的本質(zhì)............................................6
2.1.2金融風(fēng)險的特點............................................6
2.2 農(nóng)村商業(yè)銀行金融風(fēng)險的類型..................................7
2.2.1經(jīng)營風(fēng)險..................................................7
2.2.2行業(yè)風(fēng)險..................................................8
2.2.3政策風(fēng)險..................................................8
2.2.4其他風(fēng)險..................................................8
2.3經(jīng)濟(jì)轉(zhuǎn)軌期的風(fēng)險源，對農(nóng)商行的新挑戰(zhàn).........................9
2.3.1轉(zhuǎn)軌時期，農(nóng)商行“內(nèi)部控制”問題............................9
2.3.2我國經(jīng)濟(jì)轉(zhuǎn)型期產(chǎn)生的尋租現(xiàn)象...............................9
2.3.3競爭環(huán)境日趨激烈..........................................10
2.4 農(nóng)村商業(yè)銀行金融風(fēng)險的原因分析.............................10
2.4.1銀行內(nèi)控管理不完善，造成制度制定和執(zhí)行的脫節(jié)..............10
2.4.2銀行缺乏有效的信用風(fēng)險防范和控制手段.....................10
2.4.3缺乏科學(xué)的外部風(fēng)險評估機制...............................11
2.4.4貸款風(fēng)險責(zé)任不明確和貸后檢查機制不健全...................11
第3章 日本、美國農(nóng)村合作金融的分析及借鑒.......................12
3.1日本農(nóng)村合作金融...........................................12
3.1.1日本農(nóng)村合作金融的組織模式...............................12
3.1.2日本農(nóng)村合作金融的風(fēng)險防范...............................13
3.2美國農(nóng)村合作金融...........................................14
3.4日本、美國農(nóng)村合作金融對我國的啟示..........................15
第4章 我國農(nóng)村商業(yè)銀行風(fēng)險防范的對策..........................18
4.1加強農(nóng)村商業(yè)銀行內(nèi)部管理，構(gòu)建完善的內(nèi)控制度................18
4.2建立有效的農(nóng)村商業(yè)銀行風(fēng)險管理機制..........................18-b..