本文選題：農(nóng)村信用社 + 風(fēng)險管理��； 參考：《南昌大學(xué)》2012年碩士論文

【摘要】：自2003年農(nóng)村金融合作機構(gòu)改革全面啟動至今,A市城郊農(nóng)信社同全國農(nóng)村信用社一道,經(jīng)歷了新的體制、機制的逐步建立與完善的過程,在這過程中農(nóng)村信用社的改革發(fā)展活力也得到了徹底的激活,使一直深陷歷史泥潭和發(fā)展困境的農(nóng)信社在業(yè)務(wù)發(fā)展上出現(xiàn)了驚人的爆發(fā)力,業(yè)務(wù)擴張速度、規(guī)模實力、社會地位、社會的貢獻度都得到了大幅度提升。而這些年,中小農(nóng)村金融機構(gòu)各類案件頻發(fā),有的是經(jīng)營不合規(guī)造成的,有的是由于管理不到位出現(xiàn)的。但不管什么原因,其結(jié)果不但給自身帶來了巨大的經(jīng)濟損失,也對自身的聲譽帶來損毀,這說明中小農(nóng)村金融機構(gòu)運營處于種種風(fēng)險之中。不僅使發(fā)展陷入困境,而且可能給地方金融的穩(wěn)定發(fā)展產(chǎn)生重要影響。特別是當前,全球金融危機還沒有結(jié)束,經(jīng)濟沒有復(fù)蘇,國內(nèi)外宏觀經(jīng)濟發(fā)展不穩(wěn)定,使金融行業(yè)面臨的經(jīng)營環(huán)境更加復(fù)雜,面臨的經(jīng)營風(fēng)險更加嚴峻。而農(nóng)村信用社在管理風(fēng)險過程中又存在規(guī)模小、抗風(fēng)險能力低、員工風(fēng)險意識薄弱、信貸風(fēng)險等存在諸多問題。本文旨在通過對A市城郊農(nóng)村信用社風(fēng)險管理的研究,分析當前農(nóng)村信用社風(fēng)險管理現(xiàn)狀,找出一條適合A市城郊農(nóng)村信用社風(fēng)險管理的路徑,有效地防范各種風(fēng)險。 本論文將首先從分析選題的背景入手,闡述了對國內(nèi)外風(fēng)險管理方面的理論和方法；進而明確當前農(nóng)村信用社處于快速發(fā)展期,從風(fēng)險管理的現(xiàn)狀說明了過去的風(fēng)險防范對策已不能適用于現(xiàn)在的發(fā)展要求,進而突顯出農(nóng)村信用社在風(fēng)險管理上存在的缺陷以及不足；然后結(jié)合A市城郊農(nóng)村信用社的風(fēng)險管理現(xiàn)狀,提出建立一套適應(yīng)A市城郊農(nóng)村信用社的風(fēng)險管理方案；最后給出了實現(xiàn)適應(yīng)該風(fēng)險管理方案應(yīng)采取的一些具體措施,以保障A市城郊農(nóng)村信用社又好又快地發(fā)展。
[Abstract]:Since the reform of rural financial cooperative institutions was launched in 2003, the rural credit cooperatives in the suburbs of Ya City have gone through the process of gradually establishing and perfecting the new system and mechanism, together with the rural credit cooperatives of the whole country.In this process, the reform and development vitality of the rural credit cooperatives has also been thoroughly activated, so that the rural credit cooperatives, which have been mired in the quagmire of history and the difficulties of development, have a remarkable explosive force in the business development, the business expansion speed and the strength of the scale.Social status, social contribution has been greatly improved.In recent years, the small and medium-sized rural financial institutions of various types of cases, some due to business irregularities, some due to inadequate management.However, no matter what the reason, the result not only brings huge economic losses to itself, but also damages its reputation, which shows that the operation of small and medium-sized rural financial institutions is in various risks.Not only makes the development into a dilemma, but also may have an important impact on the stable development of local finance.Especially at present, the global financial crisis is not over, the economy has not recovered, and the macroeconomic development at home and abroad is unstable, which makes the operating environment of the financial industry more complex and the management risk more severe.However, in the process of managing risks, rural credit cooperatives have many problems, such as small scale, low ability to resist risks, weak consciousness of employees' risk, credit risks and so on.The purpose of this paper is to study the risk management of rural credit cooperatives in the suburbs of A city, analyze the current situation of risk management of rural credit cooperatives, find out a path suitable for risk management of rural credit cooperatives in the suburbs of A city, and effectively guard against all kinds of risks.This paper will begin with the analysis of the background of the selected topic, expound the theories and methods of risk management at home and abroad, and then make clear that the current rural credit cooperatives are in a period of rapid development.From the current situation of risk management, the paper explains that the past risk prevention countermeasures can not be applied to the current development requirements, and then highlights the shortcomings and shortcomings of rural credit cooperatives in risk management.Then according to the risk management situation of rural credit cooperatives in the suburbs of A city, this paper puts forward a set of risk management schemes to adapt to the rural credit cooperatives in the suburbs of A city, and finally gives some concrete measures that should be taken to realize the risk management schemes.In order to ensure a suburb of rural credit cooperatives good and rapid development.
【學(xué)位授予單位】：南昌大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.35

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