本文選題：吉林省村鎮(zhèn)銀行 + 農(nóng)村金融��； 參考：《吉林財(cái)經(jīng)大學(xué)》2017年碩士論文

【摘要】：中國(guó)經(jīng)濟(jì)的發(fā)展需要金融領(lǐng)域的大力支持,而農(nóng)村金融領(lǐng)域作為中國(guó)金融業(yè)較為薄弱的一環(huán),銀監(jiān)會(huì)2006年出臺(tái)了相關(guān)政策鼓勵(lì)新型農(nóng)村金融機(jī)構(gòu)建設(shè)以支持農(nóng)村地區(qū)經(jīng)濟(jì)金融的發(fā)展,其中包括:村鎮(zhèn)銀行和貸款公司以及農(nóng)村資金互助社在內(nèi)的新型農(nóng)村金融機(jī)構(gòu)等,在增量上實(shí)行改革。村鎮(zhèn)銀行自2007年以來(lái),得到了蓬勃的發(fā)展,但作為銀行類(lèi)金融機(jī)構(gòu),在追求利潤(rùn)最大化目標(biāo)時(shí),伴隨著是風(fēng)險(xiǎn)的加大;再加上村鎮(zhèn)銀行作為新興銀行,人們對(duì)其了解不多,雖然存款利率高,但人們更青睞于到其他金融機(jī)構(gòu)辦理存款業(yè)務(wù)。即使存入也可能到期立即取出,投資心理較弱。并且農(nóng)戶(hù)信用程度不高等,雖然采取五戶(hù)聯(lián)保的措施,貸款發(fā)放快,可是依然存在農(nóng)戶(hù)不及時(shí)歸還借款的現(xiàn)象,流動(dòng)風(fēng)險(xiǎn)以及信用風(fēng)險(xiǎn)令人堪憂(yōu)。吉林省自古以來(lái)都是農(nóng)業(yè)大省,在調(diào)動(dòng)社會(huì)一切積極力量對(duì)村鎮(zhèn)銀行進(jìn)行建設(shè)時(shí),不可忽略風(fēng)險(xiǎn)的存在。截至2017年2月末,吉林省村鎮(zhèn)銀行已有61家,正在籌建的有4家,已經(jīng)基本實(shí)現(xiàn)了全省縣域的全覆蓋模式,吉林省村鎮(zhèn)銀行以自己獨(dú)有的優(yōu)勢(shì)——存款利率高,貸款發(fā)放快在廣大農(nóng)村地區(qū)發(fā)揮著巨大作用,為吉林省的農(nóng)村金融做出卓越的貢獻(xiàn)。本文采用的是德?tīng)柗品?根據(jù)吉林省農(nóng)村金融方面的專(zhuān)家以及村鎮(zhèn)銀行從業(yè)人員研究出吉林省村鎮(zhèn)銀行風(fēng)險(xiǎn)的影響因素,通過(guò)所構(gòu)建的層次分析法模型,對(duì)各風(fēng)險(xiǎn)進(jìn)行相對(duì)重要性分析,對(duì)指標(biāo)層風(fēng)險(xiǎn)因素進(jìn)行排序,最后有針對(duì)性地提出風(fēng)險(xiǎn)防范的意見(jiàn)。本文共分六大部分:第一章,選題的背景與意義;村鎮(zhèn)銀行風(fēng)險(xiǎn)國(guó)內(nèi)、外的研究現(xiàn)狀;研究?jī)?nèi)容和方法,論文的結(jié)構(gòu)、創(chuàng)新點(diǎn)。第二章,村鎮(zhèn)銀行風(fēng)險(xiǎn)防范的理論基礎(chǔ)。第三章,吉林省村鎮(zhèn)銀行發(fā)展現(xiàn)狀及存在的風(fēng)險(xiǎn)。第四章,運(yùn)用層次分析法對(duì)通過(guò)德?tīng)柗品ǚ治龀龅?3個(gè)主要風(fēng)險(xiǎn)指標(biāo)進(jìn)行定性和定量評(píng)估,對(duì)其進(jìn)行總體的排序。其中,現(xiàn)金比率、不良貸款率,備付金比率、短期資產(chǎn)流動(dòng)性比率、法人治理結(jié)構(gòu)分列前5�？梢�(jiàn),流動(dòng)性風(fēng)險(xiǎn)最大,第二是信用風(fēng)險(xiǎn)第三是操作風(fēng)險(xiǎn),最后是市場(chǎng)風(fēng)險(xiǎn)。第五章,根據(jù)前文所得出的數(shù)據(jù)分析吉林省村鎮(zhèn)銀行風(fēng)險(xiǎn)成因。第六章,通過(guò)前文原因分析,針對(duì)各個(gè)風(fēng)險(xiǎn)提出了相應(yīng)的對(duì)策建議,希望對(duì)吉林省村鎮(zhèn)銀行的可持續(xù)發(fā)展有一定的借鑒意義。
[Abstract]:The development of China's economy needs strong support from the financial sector, while the rural financial sector is a relatively weak link in China's financial sector. The CBRC issued policies in 2006 to encourage the construction of new rural financial institutions to support the economic and financial development in rural areas, including village banks and loan companies, and new rural financial institutions, such as rural mutual aid societies, etc. Carry out reforms in increments. Village banks have been booming since 2007, but as banking financial institutions, in pursuit of profit maximization goals, accompanied by increased risk, plus village banks as emerging banks, people do not know much about them. Although deposit rates are high, people prefer to go to other financial institutions for deposit business. Even if the deposit may be due for immediate withdrawal, investment psychology is weak. And the credit degree of peasant household is not high, although the measures of five households protection are adopted, the loan is issued quickly, but there still exists the phenomenon that the farmer does not repay the loan in time, and the liquidity risk and credit risk are worrying. Jilin Province has been a big agricultural province since ancient times. By the end of February 2017, there were 61 village and town banks in Jilin Province, four of which were in the process of being built. They had basically realized the mode of full coverage in the counties of the province. The village and town banks in Jilin Province had a unique advantage of high deposit interest rates. Loan issuance is playing a great role in the rural areas and makes outstanding contributions to the rural finance of Jilin Province. This paper uses Delphi method, according to Jilin Province rural finance experts and village bank practitioners to study the risk factors of Jilin Province village banks, through the establishment of the Analytic hierarchy process model, The relative importance of each risk is analyzed, the risk factors of index layer are sorted, and the advice of risk prevention is put forward. This paper is divided into six parts: the first chapter, the background and significance of the topic; the domestic and foreign research status of rural bank risk; research content and methods, the structure of the paper, innovation. The second chapter is the theoretical basis of risk prevention of village banks. The third chapter, Jilin Province village bank development present situation and the existence risk. In the fourth chapter, the qualitative and quantitative evaluation of 13 main risk indicators by Delphi method is carried out, and the overall ranking is made. Among them, cash ratio, non-performing loan ratio, reserve ratio, short-term asset liquidity ratio, corporate governance structure of the top 5. Visible, liquidity risk is the largest, the second is credit risk, the third is operational risk, and finally is market risk. The fifth chapter, according to the data obtained above, Jilin Province village bank risk causes. The sixth chapter, through the reason analysis above, puts forward the corresponding countermeasures and suggestions in view of each risk, hoping to have certain reference significance to the sustainable development of the village and town bank of Jilin province.
【學(xué)位授予單位】：吉林財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F832.35

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