本文關鍵詞：我國民族地區(qū)農村金融風險防范與控制機制研究　出處：《中央民族大學》2013年碩士論文　論文類型：學位論文

  更多相關文章： 民族經濟 農村金融 風險防范 控制機制

【摘要】：現(xiàn)代市場經濟是以金融為核心的經濟,沒有現(xiàn)代金融機構所提供的金融服務的支持,社會資源難以實現(xiàn)合理配置,生產、流通、消費和分配難以實現(xiàn)良性循環(huán),社會和經濟發(fā)展目標也就難以實現(xiàn)。農村經濟作為整個經濟體系的組成部分,其發(fā)展同樣離不開金融的有效支持。 金融風險一般來自于居民、企業(yè)、政府、金融機構和金融系統(tǒng)外部。企業(yè)(包括商業(yè)性金融機構)自身因生產和運營所產生的風險若不能通過優(yōu)化資產結構或自身經營管理化解,則可能因借貸關系傳遞給金融系統(tǒng),如果金融體系也沒能很好的將這些風險予以化解時還會擴散至整個社會。因此,金融系統(tǒng)就成為了防范和控制金融風險的關鍵,但在為社會成員化解金融風險的過程中,金融機構所面臨的金融風險需要借助一定的機制予以化解。要建立這些機制,不僅需要強化金融機構和金融系統(tǒng)自身的穩(wěn)定性,防范發(fā)生自金融系統(tǒng)內部的風險,而且需要加強對社會經濟活動的協(xié)調和監(jiān)督。同時,一旦金融風險發(fā)生了,金融體系應盡快加以控制,將風險對社會經濟的影響降到最低,避免給社會造成的震蕩和災難。 從金融風險的成因、波及范圍和控制手段等方面來區(qū)分,金融機構所面臨的風險可分為兩種,一種是內部運營所導致的風險,另一種是外部環(huán)境所導致的風險。外部環(huán)境風險是由外部經濟因素的不合理引發(fā)的,它的影響是全局性的。而內部運營風險又稱個別風險,是由單個金融機構自身的財務問題和運營失誤造成的收益損失和經營危機,即在不考慮外部影響和沖擊情況下,由農村金融機構自身經營活動而引發(fā)的金融風險。此類風險的波及范圍通常較為有限,并且可以通過金融機構加強自身管理等措施來抵御。 針對我國民族地區(qū)這兩種金融風險的控制方法也是有所區(qū)別的。對于農村金融內部風險的控制,主要是依靠優(yōu)化內部風險管理的一系列措施來實現(xiàn)。在這其中不僅要求金融機構強化風險管理的相關規(guī)章制度,同時要求相關各部門嚴格執(zhí)行,確保風險管理方案得以落實,同時,還要定期或不定期對各個部門的業(yè)務和操作進行檢查,一旦發(fā)現(xiàn)存在風險隱患要迅速加以彌補防止風險的進一步惡化。而農村金融外部環(huán)境風險的控制則需要民族地區(qū)經濟體制的改革和金融環(huán)境的優(yōu)化,政府制定的宏觀經濟政策也要保持一定的適應性、穩(wěn)定性和連貫性。 我國民族地區(qū)農村金融現(xiàn)狀不容樂觀,農村金融自身的發(fā)展正面臨嚴重的風險問題。本文首先對我國民族地區(qū)金融風險狀況分析,分別從民族地區(qū)農村金融發(fā)展現(xiàn)狀、民族農村金融體系構成,以及民族地區(qū)金融風險的分類和特征方面入手；之后剖析了我國民族地區(qū)農村金融風險的內部生成原因和外部環(huán)境原因,并提出化解這兩種風險的具體措施。
[Abstract]:Modern market economy is the economy with finance as the core. Without the support of financial services provided by modern financial institutions, it is difficult to realize the rational allocation of social resources, production, circulation, consumption and distribution to achieve a virtuous cycle. It is difficult to realize the goal of social and economic development. As an integral part of the whole economic system, rural economy can not develop without the effective support of finance. Financial risks generally come from residents, enterprises and governments. The risks caused by production and operation of enterprises (including commercial financial institutions) cannot be resolved by optimizing the structure of assets or managing themselves. It may pass on to the financial system because of the loan relationship, and if the financial system fails to resolve these risks well, it will spread to the whole society. Financial system has become the key to prevent and control financial risks, but in the process of dissolving financial risks for social members. The financial risks faced by financial institutions need to be resolved by means of certain mechanisms. In order to establish these mechanisms, it is not only necessary to strengthen the stability of financial institutions and financial systems themselves. Prevention of risks occurring within the financial system and the need to strengthen coordination and supervision of socio-economic activities. At the same time, once financial risks occur, the financial system should control them as soon as possible. Minimize the social and economic impact of risk and avoid social shocks and disasters. From the causes of financial risks, spread scope and control measures to distinguish, financial institutions can be faced with two kinds of risks, one is the risk caused by internal operations. The other is the risk caused by the external environment. The external environmental risk is caused by the unreasonable external economic factors, and its impact is global. The internal operational risk is also called individual risk. It is a loss of income and a crisis of operation caused by the financial problems and operational mistakes of a single financial institution, that is, without considering the external influence and impact. The financial risks caused by the rural financial institutions' own management activities are usually limited in scope and can be resisted by the financial institutions through strengthening their own management and other measures. The control methods of these two kinds of financial risk are different from each other in the minority areas of our country, and the control of the internal risk of rural finance is also different. It mainly depends on a series of measures to optimize the internal risk management, which not only requires financial institutions to strengthen the relevant rules and regulations of risk management, but also requires the relevant departments to strictly implement. Ensure that the risk management programme is implemented, with periodic or occasional inspections of the operations and operations of the various departments. Once found that there are hidden risks to quickly make up to prevent the further deterioration of risk, and rural financial external environment risk control needs the reform of economic system and the optimization of financial environment in minority areas. Government macroeconomic policies should also maintain a certain degree of adaptability, stability and consistency. The present situation of rural finance in minority areas in China is not optimistic, and the development of rural finance itself is facing serious risk problems. Starting with the current situation of rural financial development in ethnic minority areas, the composition of ethnic rural financial system, as well as the classification and characteristics of financial risks in ethnic minority areas; Then it analyzes the internal causes and external environmental causes of rural financial risks in ethnic minority areas, and puts forward specific measures to resolve the two risks.
【學位授予單位】：中央民族大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.35

【參考文獻】

相關期刊論文 前10條

1 李景躍;劉清娟;李季剛;;民族地區(qū)金融生態(tài)環(huán)境評價指標體系研究[J];商業(yè)研究;2008年01期

2 王維強;我國區(qū)域金融政策問題研究[J];財經研究;2005年02期

3 中國人民銀行南寧中心支行課題組;羅躍華;;廣西農村金融生態(tài)環(huán)境:評價與優(yōu)化[J];廣西金融研究;2007年04期

4 王一流;;民族地區(qū)金融發(fā)展的法制對策研究[J];區(qū)域金融研究;2010年11期

5 杜俊娟;張克宏;;農村信用社現(xiàn)狀、改革與發(fā)展[J];經濟研究導刊;2009年21期

6 謝平;徐忠;;公共財政、金融支農與農村金融改革——基于貴州省及其樣本縣的調查分析[J];經濟研究;2006年04期

7 張傳良;;村鎮(zhèn)銀行金融風險控制及其防范[J];福建金融管理干部學院學報;2010年02期

8 溫濤;;新時期我國農村金融風險控制的理論思考[J];金融理論與實踐;2006年05期

9 杜偉;;淺議我國金融風險管理制度的建立與完善[J];金融與經濟;2010年01期

10 楊曉東;;金融開放條件下少數(shù)民族地區(qū)商業(yè)銀行發(fā)展問題探討[J];內蒙古財經學院學報;2008年04期

相關博士學位論文 前3條

1 馬忠富;中國農村合作金融發(fā)展研究[D];中國社會科學院研究生院;2000年

2 紀家琪;中國地方金融風險問題研究[D];暨南大學;2005年

3 溫濤;中國農村金融風險生成機制與控制模式研究[D];西南農業(yè)大學;2005年

相關碩士學位論文 前3條

1 黎昌貴;我國農村金融風險的防范和化解研究[D];湖南農業(yè)大學;2003年

2 都麗峰;西部農村金融改革與創(chuàng)新研究[D];中央民族大學;2007年

3 何璐伶;民間金融與農村金融關系研究[D];廣西大學;2008年

，

本文編號：1407162