農(nóng)村信用社風(fēng)險(xiǎn)的形成及防范措施畢業(yè)論文(已修改)
2025-07-23 13:58 本頁(yè)面
【正文】 蘭 州 大 學(xué) 本 科 畢 業(yè) 論 文 題 目 ： 農(nóng)村信用社風(fēng)險(xiǎn)的形成及防范措施 摘要 在社會(huì)主義市場(chǎng)經(jīng)濟(jì)向縱深推進(jìn)以及產(chǎn)業(yè)結(jié)構(gòu)的 戰(zhàn) 略性調(diào)整下，農(nóng)村信用社在舊體制下積累形成的深層 次矛盾不斷暴露，金融風(fēng)險(xiǎn)日漸顯現(xiàn)，嚴(yán)重制約著農(nóng)村信用社的發(fā)展，已然危及到農(nóng)村信用體系的金融安全。 合作金融組織在我國(guó)擁有悠久的歷史，建國(guó)后更加快速的發(fā)展，隨著公有化程度的提高，農(nóng)村信用合作社的合作性質(zhì)被淡化，并被轉(zhuǎn)化成國(guó)家銀行在農(nóng)村的基層機(jī)構(gòu)。然而快速的發(fā)展也隨之帶來(lái)許 多弊端，如：產(chǎn)權(quán)關(guān)系不明晰，法人治理結(jié)構(gòu)不完善等問(wèn)題都加劇了農(nóng)村信用社風(fēng)險(xiǎn)的形成。因此，根據(jù)農(nóng)村信用社風(fēng)險(xiǎn)形成的原 因提出合理正確的改革方法，并嚴(yán)格的執(zhí)行實(shí)施，對(duì)風(fēng)險(xiǎn)進(jìn)行防范做到未 雨綢繆，從而使農(nóng)村信用社健康穩(wěn)固的先前發(fā)展。 在廣泛關(guān)注和研究風(fēng)險(xiǎn)的背景下，農(nóng)村信用社面臨的風(fēng)險(xiǎn)是尤為突出的，如何正確認(rèn)識(shí)和防范農(nóng)村信用社的風(fēng)險(xiǎn)，對(duì)農(nóng)村信用社的進(jìn)一步發(fā)展來(lái)說(shuō)，是具有很重要的意義。 本 文從我國(guó)農(nóng)村信用社的產(chǎn)生背景、性質(zhì)出發(fā)，對(duì)農(nóng)村信用社風(fēng)險(xiǎn)的成因做出了深入的分析，并提出了一系列防范農(nóng)村信用社風(fēng)險(xiǎn)的措施。 主要從三個(gè)方面提 出 相關(guān)的建議和對(duì)策，包括建立統(tǒng)一的風(fēng)險(xiǎn)管理機(jī)構(gòu)和組織體系，明確各部門(mén)、各崗位的職責(zé)，做到層層防范可能產(chǎn)生的風(fēng)險(xiǎn)；建立風(fēng)險(xiǎn)的預(yù)警機(jī)制，加強(qiáng)對(duì)各行業(yè)間和客戶個(gè)人的風(fēng)險(xiǎn)實(shí)施預(yù)警分析，將某些行業(yè)的變動(dòng)趨勢(shì)因素納入風(fēng)險(xiǎn)預(yù)警系統(tǒng)指標(biāo)體系中；要加強(qiáng)金融監(jiān)管的力度，金融主管機(jī)關(guān)要加大對(duì)農(nóng)村信用社風(fēng)險(xiǎn)的監(jiān)督和管理，制定嚴(yán)格的制度，完善監(jiān)管工作，指導(dǎo)農(nóng)村信用社做好防范風(fēng)險(xiǎn)的管理。 關(guān)鍵詞 ：金融風(fēng)險(xiǎn) 風(fēng)險(xiǎn)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 deepseated 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 anization 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 China39。s rural credit cooperatives, properties of the causes of the risk of rural credit cooperatives made indepth 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 anization 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 petent 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 目錄 摘要 .............................
研究報(bào)告相關(guān)推薦
鄂ICP備17016276號(hào)-1