發(fā)布時間：2018-02-16 15:02

  本文關鍵詞： 李石村鎮(zhèn)銀行 經營風險 風險識別 風險防范 體系構建　出處：《東北大學》2012年碩士論文　論文類型：學位論文

【摘要】：隨著國家對“三農”支持力度的不斷增強,農村經濟得到了快速的發(fā)展,農民對金融服務的需求越來越迫切,原有的農村金融體系己經不能適應現(xiàn)階段的農村經濟發(fā)展。村鎮(zhèn)銀行的成立,對于促進農村地區(qū)投資多元、服務高效、覆蓋全面的新型農村金融體系的形成,更好地改善農村金融服務,促進農村地區(qū)的和諧發(fā)展,具有十分重要的意義。因此,村鎮(zhèn)銀行作為新型農村金融機構,研究其經營風險與構建防范體系尤為重要。 本文通過對我國村鎮(zhèn)銀行風險來源和風險類型的總結,結合李石村鎮(zhèn)銀行自身的經營情況,對李石村鎮(zhèn)銀行的經營風險進行了識別與評價,并對其經營風險防范體系的構建進行了有益的探索。首先,本文闡述了村鎮(zhèn)銀行的業(yè)務定位、經營風險來源與類型、風險識別方法與評價方法。其次,介紹了李石村鎮(zhèn)銀行的發(fā)展歷程和經營業(yè)務等,并從盈利能力、流動性狀態(tài)和安全性指標三方面分析了它的經營績效。再次,對李石村鎮(zhèn)銀行的經營風險來源、風險類型進行了分析,認為李石村鎮(zhèn)銀行主要存在三類經營風險,即信用風險、流動性風險和操作風險,并對其經營風險等級進行了評價,得出經營風險等級為A級(藍色),經營比較穩(wěn)健。最后,針對李石村鎮(zhèn)銀行經營過程中面臨的風險,從風險防范組織體系、風險防范管理制度、風險分類管理及分級管控幾個方面,提出了經營風險防范體系構建的思路與方法。
[Abstract]:With the increasing support of the country to the "three rural areas", the rural economy has been developing rapidly, and the farmers' demand for financial services is becoming more and more urgent. The original rural financial system has been unable to adapt to the present stage of rural economic development. The establishment of village and town banks has contributed to the formation of a new rural financial system with diversified investment, efficient service and comprehensive coverage in rural areas. It is of great significance to improve rural financial services and promote the harmonious development of rural areas. Therefore, as a new type of rural financial institutions, it is very important for village banks to study their management risks and build a preventive system. Based on the summary of the risk sources and risk types of village banks in China and the management situation of Li Shi Village Bank, this paper identifies and evaluates the operating risk of Li Shi Village Bank. At first, this paper expounds the business orientation, the source and type of management risk, the method of risk identification and evaluation. This paper introduces the development course and business operation of Li Shi Cun Bank, and analyzes its operating performance from three aspects: profitability, liquidity status and security index. Thirdly, the source of operating risk of Li Shi Cun Bank is analyzed. Based on the analysis of risk types, it is concluded that there are three kinds of operating risks, namely credit risk, liquidity risk and operational risk, and the grade of operating risk is evaluated. Finally, aiming at the risks faced in the process of operation of Li Shi Village Bank, from the risk prevention organization system, the risk prevention management system, This paper puts forward the ideas and methods of constructing management risk prevention system in several aspects of risk classification management and management.
【學位授予單位】：東北大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.35;F272.3

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本文編號：1515790