农村信用社风险管理研究

农村信用社风险管理研究摘要农村信用社是金融市场的重要组成部分，是地方经济和金融发展的基石，其核心是风险管理，风险管理是其最基本的功能。加强农村信用社的风险管理能力不仅是其自身健康发展的内在要求，也是稳定区域经济发展的关键。随着经济市场化、全球化的推进，我国农村信用社面临着许多风险问题。提高农村信用社的风险管理水平，既可以保证农村信用社自身稳定健康发展，也可以促进农村地区金融现代化发展，还可以推动农村经济转型。本文将以闽侯县农村信用社为例，分析该农信社的发展、风险及风险管理现状，重点分析了闽侯县农信社的信用风险，继而发现其风险管理可能存在的问题，然后针对问题提出一些建议，为农信社的风险管理提供一定参考。通过研究发现闽侯县农信社在风险管理可能存在以下问题：盈利能力较弱，工作人员风险意识薄弱，风险管理体系不健全、风险管理水平低，风险预警机制和缓解措施不完善，专业管理人才缺乏，监管体系不完备，信息技术应用落后等。本文以科学的风险管理理论作为指导，结合实际情况，针对问题进行探讨，提出一些解决策略。闽侯县农信社可以通过加强员工的风险意识培养，完善风险管理组织结构，健全风险管理体制，完善风险预警机制、防范机制，完善监管政策等措施，来提高农信社的风险应对能力。最终希望本次研究能够为我国农村信用社风险管理提供一定的借鉴与参考。关键词：农村信用社，闽侯县，贷款，风险管理，风险管理理论Risk Management Study for Rural Credit UnionsAbstractRural credit unions are an important part of the financial market and the cornerstone of localeconomic and financial development,the core of which is risk management,which is its mostbasic function.Strengthening the risk management capability of rural credit unions is not only aninherent requirement for their own healthy development,but also a key to stabilize regionaleconomic development.With the advancement of economic marketization and globalization,rural credit unions in China are facing many risk problems.Improving the risk management levelof rural credit unions can not only ensure their own stable and healthy development,but alsopromote the development of financial modernization in rural areas,and also promote thetransformation of rural economy.This paper will take Minhou County Rural Credit Union as an example,analyze thedevelopment,risk and risk management status of this rural credit union,focus on the credit riskof Minhou County Rural Credit Union,then discover the possible problems of its riskmanagement,and then put forward some suggestions for the problems to provide some referencefor the risk management of the rural credit union.Through the study,it is found that thefollowing problems may exist in the risk management of agricultural credit cooperatives inCounty Minhou:weak profitability,weak risk awareness of staff,unsound risk managementsystem,low level of risk management,imperfect risk warning mechanism and mitigationmeasures,lack of professional management personnel,incomplete supervision system,andbackward information technology application.This paper takes the scientific risk managementtheory as a guide,combines the actual situation,discusses the problems,and proposes somesolution strategies.Minhou County Agricultural Credit Union can improve the risk coping abilityof the agricultural credit union by strengthening the risk awareness training of staff,improvingthe organizational structure of risk management,improving the risk management system,improving the risk early warning mechanism and prevention mechanism,and improving theregulatory policy.Ultimately,we hope this study can provide some reference and reference forrisk management of rural credit cooperatives in China.Key words:Rural Credit Unions,County Minhou,Loans,Riskmanagement,Risk management theories目录摘要...Abstract11一、绪论…1(一)研究背景和研究意义.·.·1(二