本文選題：農(nóng)村金融 + 風(fēng)險(xiǎn)　； 參考：《河南大學(xué)》2012年碩士論文

【摘要】：中國(guó)是一個(gè)以農(nóng)業(yè)人口為主體的發(fā)展中大國(guó)，農(nóng)業(yè)是我國(guó)國(guó)民經(jīng)濟(jì)的基礎(chǔ)，作為整個(gè)國(guó)民經(jīng)濟(jì)體系的重要組成部分，農(nóng)村經(jīng)濟(jì)的快速發(fā)展，離不開農(nóng)村金融的有效支持。在農(nóng)村經(jīng)濟(jì)運(yùn)行中，農(nóng)村金融安排的科學(xué)合理不但能夠減少農(nóng)業(yè)生產(chǎn)者的借貸成本，而且能夠?yàn)槠浞稚碜杂谏a(chǎn)和經(jīng)營(yíng)過程中的多種風(fēng)險(xiǎn)，以增進(jìn)農(nóng)村經(jīng)濟(jì)活動(dòng)的可預(yù)見性，從而促進(jìn)農(nóng)業(yè)生產(chǎn)和農(nóng)村經(jīng)濟(jì)發(fā)展。然而，目前我國(guó)農(nóng)村金融機(jī)構(gòu)運(yùn)營(yíng)的效率不高，農(nóng)村金融風(fēng)險(xiǎn)不斷發(fā)生，因此，研究探索農(nóng)村金融風(fēng)險(xiǎn)產(chǎn)生的原因及其防范化解措施，不僅有利于提高農(nóng)村金融機(jī)構(gòu)的經(jīng)營(yíng)管理水平，而且對(duì)于保護(hù)農(nóng)民利益、促進(jìn)社會(huì)穩(wěn)定、提高資源配置效率都有十分重要的意義。 本文以三門峽農(nóng)村金融機(jī)構(gòu)為研究對(duì)象，指出當(dāng)前金融風(fēng)險(xiǎn)的現(xiàn)狀，系統(tǒng)地分析了三門峽農(nóng)村金融風(fēng)險(xiǎn)的發(fā)展現(xiàn)狀，指出了三門峽農(nóng)村金融風(fēng)險(xiǎn)存在的問題。從系統(tǒng)性風(fēng)險(xiǎn)和非系統(tǒng)性風(fēng)險(xiǎn)兩方面來闡述金融機(jī)構(gòu)風(fēng)險(xiǎn)問題形成的根源，結(jié)合當(dāng)前中原經(jīng)濟(jì)區(qū)建設(shè)對(duì)三門峽農(nóng)村金融的現(xiàn)實(shí)要求，提出了防范和化解三門峽農(nóng)村金融風(fēng)險(xiǎn)的政策建議和措施，并著重指出加強(qiáng)金融風(fēng)險(xiǎn)監(jiān)管，重視金融機(jī)構(gòu)風(fēng)險(xiǎn)管理文化是解決三門峽農(nóng)村金融風(fēng)險(xiǎn)的主要途徑。 全文主要分為五章。第一章緒論，，在闡述了本文選題背景，選題意義，介紹了目前國(guó)內(nèi)外針對(duì)該問題的研究情況。第二章為農(nóng)村金融風(fēng)險(xiǎn)概述，在介紹農(nóng)村金融風(fēng)險(xiǎn)概念和特征的基礎(chǔ)上，分析了我國(guó)農(nóng)村金融風(fēng)險(xiǎn)的產(chǎn)生原因與農(nóng)村的經(jīng)濟(jì)基礎(chǔ)、金融機(jī)構(gòu)自身管理等多種因素有關(guān)，具體包括農(nóng)村經(jīng)濟(jì)發(fā)展的制約、農(nóng)村金融機(jī)構(gòu)人員素質(zhì)偏低等原因。第三章為三門峽農(nóng)村金融風(fēng)險(xiǎn)的狀況，在查閱大量文獻(xiàn)資料和廣泛調(diào)研的基礎(chǔ)上，肯定了三門峽近年來在農(nóng)村經(jīng)濟(jì)發(fā)展以及機(jī)構(gòu)變遷過程中所取得的成績(jī)，同時(shí)指出三門峽地區(qū)在農(nóng)村金融中存在眾多的金融風(fēng)險(xiǎn)，農(nóng)業(yè)基礎(chǔ)薄弱導(dǎo)致抗風(fēng)險(xiǎn)能力低，資金需求分散帶來一定的不穩(wěn)定性，經(jīng)營(yíng)形式單一不能將風(fēng)險(xiǎn)分散等。第四章對(duì)三門峽農(nóng)村金融風(fēng)險(xiǎn)產(chǎn)生的原因進(jìn)行分析，從系統(tǒng)性風(fēng)險(xiǎn)和非系統(tǒng)性風(fēng)險(xiǎn)兩方面來展開研究，強(qiáng)調(diào)缺乏穩(wěn)定的農(nóng)村經(jīng)濟(jì)基礎(chǔ)是系統(tǒng)性風(fēng)險(xiǎn)產(chǎn)生的直接根源，農(nóng)村金融機(jī)構(gòu)自身的公司治理中風(fēng)險(xiǎn)管控文化的缺乏是非系統(tǒng)性風(fēng)險(xiǎn)產(chǎn)生的主要原因。第五章提出對(duì)三門峽農(nóng)村金融風(fēng)險(xiǎn)的防范措施，開放農(nóng)村金融市場(chǎng)引入競(jìng)爭(zhēng)機(jī)制，提出要大力加快農(nóng)村金融法制建設(shè)，加強(qiáng)金融監(jiān)管力度來解決三門峽農(nóng)村金融系統(tǒng)性風(fēng)險(xiǎn)。對(duì)于非系統(tǒng)性風(fēng)險(xiǎn)的解決，應(yīng)重點(diǎn)從風(fēng)險(xiǎn)管理文化建設(shè)的角度出發(fā)，建立風(fēng)險(xiǎn)管理文化三道防線，提出創(chuàng)新金融服務(wù)等防范對(duì)策。
[Abstract]:China is a development of the agricultural population as the main body of the country, agriculture is the foundation of our national economy, as an important part of the national economy, the rapid development of the rural economy, cannot do without the effective support of rural finance. In the rural economy, rural financial arrangement can not only reduce the agricultural scientific and reasonable the producers of the cost of borrowing, but also a variety of dispersing risk comes from the production and management process for it, in order to promote the rural economic activity predictability, so as to promote agricultural production and rural economic development. However, at present, China's rural financial institutions operating efficiency is not high, the rural financial risks continue to occur, therefore, research and exploration rural financial risk causes and prevention and mitigation measures, not only conducive to the improvement of the rural financial institutions management level, but also to protect the interests of farmers, promote. It is of great significance to be stable and to improve the efficiency of the allocation of resources.
This paper takes Sanmenxia rural financial institutions as the research object, pointed out that the current situation of the financial risk, systematically analyzes the current development of rural financial risk in Sanmenxia, points out the existing problems of rural financial risk in Sanmenxia. To explain the causes of the risk of financial institutions from two aspects of system risk and non system risk, combined with the practical requirements of Sanmenxia rural finance the construction of the Central Plains Economic Zone, puts forward some policy suggestions and measures to prevent and dissolve the financial risks of Sanmenxia, and emphatically pointed out that strengthening the supervision and management of financial risks, financial institutions pay attention to risk management culture is the main way to solve the rural financial risk in Sanmenxia.
This paper is divided into five chapters. The first chapter is the introduction, describes the background, significance, at home and abroad are introduced to solve the problem. The second chapter is the research of rural financial risk, based on introducing the concept and characteristic of rural financial risk, analysis of China's rural financial risk causes and the rural economy foundation, related financial institutions own management, including restricting the development of rural economy, rural financial institutions, the low quality of personnel and other reasons. The third chapter is the Sanmenxia rural financial risk status, based on a large number of documents and extensive research, affirmed Sanmenxia in recent years in the process of changing rural economic development and the mechanism of the achievements, pointed out that the Sanmenxia area there are many financial risks in rural finance, the weak foundation of agriculture leads to the ability to resist risks Low demand for funds dispersed someunstable management form single will not risk dispersion. The fourth chapter analyzed reasons of rural financial risk in Sanmenxia, launches the research from two aspects of system risk and non system risk, emphasizing the lack of stable rural economy foundation is the direct source of systemic risks arising. The lack of risk management culture of corporate governance of rural financial institutions in their non system risk. The main reason of the fifth chapter of Sanmenxia rural financial risk prevention measures, open rural financial market to introduce competition mechanism, put forward to speed up the rural financial legal system construction, strengthen financial supervision to solve the Sanmenxia rural financial system risk. To solve the non system risk, should focus on the construction of risk management culture perspective, the establishment of risk management culture three Defense line, and put forward innovative financial services and other preventive measures.

【學(xué)位授予單位】：河南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.7

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