【摘要】：2007年3月，第一家村鎮(zhèn)銀行在四川成立。緊接著，村鎮(zhèn)銀行在全國各地紛紛成立。從2007年到現(xiàn)在，村鎮(zhèn)銀行對(duì)于促進(jìn)農(nóng)村經(jīng)濟(jì)發(fā)展、改善城鄉(xiāng)二元經(jīng)濟(jì)結(jié)構(gòu)、完善農(nóng)村金融服務(wù)體系等方面發(fā)揮了重要作用。但是，村鎮(zhèn)銀行屬于新型農(nóng)村金融機(jī)構(gòu)，成立的時(shí)間還不長，正處于起步發(fā)展階段，抗風(fēng)險(xiǎn)能力還很弱，，一旦出現(xiàn)風(fēng)險(xiǎn)，將會(huì)給自身的經(jīng)營帶來威脅，甚至面臨破產(chǎn)。村鎮(zhèn)銀行如果經(jīng)營不善，不僅與最初成立時(shí)服務(wù)三農(nóng)的目標(biāo)背道而馳，而且會(huì)增加農(nóng)村金融體系的負(fù)擔(dān)，對(duì)農(nóng)村經(jīng)濟(jì)的繁榮與發(fā)展造成負(fù)面影響。因此，科學(xué)地認(rèn)識(shí)村鎮(zhèn)銀行的風(fēng)險(xiǎn)，合理地對(duì)其進(jìn)行評(píng)估，并加以有效地防范和控制，能夠大大減少村鎮(zhèn)銀行風(fēng)險(xiǎn)發(fā)生的概率，進(jìn)而降低風(fēng)險(xiǎn)發(fā)生給村鎮(zhèn)銀行帶來的損失，促進(jìn)村鎮(zhèn)銀行更快、更好地發(fā)展。 本文共分為五個(gè)部分，其中第二、三、四章是本文研究的重點(diǎn)。第一章介紹了研究的背景、目的及意義，并對(duì)國內(nèi)外學(xué)者的研究現(xiàn)狀進(jìn)行綜述，為下文的研究做鋪墊。第二章在第一章的基礎(chǔ)上，對(duì)村鎮(zhèn)銀行及其風(fēng)險(xiǎn)的含義進(jìn)行了界定，并分別對(duì)村鎮(zhèn)銀行和村鎮(zhèn)銀行風(fēng)險(xiǎn)的特點(diǎn)進(jìn)行比較深入的分析；結(jié)合大型商業(yè)銀行風(fēng)險(xiǎn)的類型和村鎮(zhèn)銀行自身的特殊性，提出村鎮(zhèn)銀行在實(shí)際運(yùn)營中存在的七種類型的風(fēng)險(xiǎn)，并且詳細(xì)分析了每種風(fēng)險(xiǎn)產(chǎn)生的根源及其相互聯(lián)系。第三章根據(jù)上文提出的七種類型的風(fēng)險(xiǎn)構(gòu)建村鎮(zhèn)銀行風(fēng)險(xiǎn)評(píng)估指標(biāo)體系，該指標(biāo)體系共包括8個(gè)二級(jí)指標(biāo)和29個(gè)三級(jí)指標(biāo)，然后闡述村鎮(zhèn)銀行風(fēng)險(xiǎn)評(píng)估的理論基礎(chǔ)，即層次分析法和模糊綜合評(píng)價(jià)法的理論部分。第四章是村鎮(zhèn)銀行風(fēng)險(xiǎn)的案例分析部分，以P市X村鎮(zhèn)銀行為例，運(yùn)用第三章提出的模型對(duì)其運(yùn)營風(fēng)險(xiǎn)的大小進(jìn)行評(píng)估，首先運(yùn)用層次分析法并計(jì)算出每一級(jí)指標(biāo)的權(quán)重；其次，運(yùn)用模糊綜合評(píng)價(jià)法進(jìn)行風(fēng)險(xiǎn)評(píng)估，結(jié)果表明，評(píng)估結(jié)果與X村鎮(zhèn)銀行的實(shí)際情況基本一致；最后針對(duì)該村鎮(zhèn)銀行的現(xiàn)實(shí)情況提出具體風(fēng)險(xiǎn)防范策略。第五章是文章的結(jié)尾部分，這部分對(duì)全文的研究進(jìn)行總結(jié)，指出本研究的局限性和需要改進(jìn)的方面，并對(duì)該領(lǐng)域的研究進(jìn)行展望。
[Abstract]:In March 2007, the first village bank was established in Sichuan. Then, village and town banks in various parts of the country have been established. From 2007 to now, village and town banks have played an important role in promoting the development of rural economy, improving the dual economic structure of urban and rural areas, and perfecting the rural financial service system. However, the village and town banks belong to the new type of rural financial institutions, the establishment of which is not a long time, is in the initial stage of development, the ability to resist risks is still very weak, once there is a risk, will bring a threat to their own operations, and even face bankruptcy. If the village bank does not operate well, it not only runs counter to the goal of serving agriculture, rural areas and farmers at the beginning, but also increases the burden of the rural financial system and has a negative impact on the prosperity and development of the rural economy. Therefore, a scientific understanding of the risk of village and town banks, reasonable evaluation of them, and effective prevention and control, can greatly reduce the probability of village and town banks risk occurrence, and then reduce the risk to the village bank losses, Promote the village bank faster, better development. This paper is divided into five parts, of which the second, third and fourth chapters are the focus of this paper. The first chapter introduces the background, purpose and significance of the research, and summarizes the research status of scholars at home and abroad, which lays the groundwork for the following research. The second chapter, on the basis of the first chapter, defines the meaning of village bank and its risk, and analyzes the characteristics of village bank and village bank risk respectively. Combined with the risk types of large commercial banks and the particularity of village banks, this paper puts forward seven types of risks existing in the actual operation of village and town banks, and analyzes in detail the root causes of each kind of risks and their interconnections. The third chapter constructs the risk assessment index system of village and town bank according to the seven types of risk mentioned above. The index system includes 8 second-level indexes and 29 three-level indexes, and then expounds the theoretical basis of the risk assessment of village and town banks. That is, analytic hierarchy process and fuzzy comprehensive evaluation of the theoretical part. The fourth chapter is the case analysis part of the village bank risk, taking the P city X village bank as an example, using the model put forward in the third chapter to evaluate the operation risk, first, using the analytic hierarchy process (AHP) to calculate the weight of each level index; Secondly, the fuzzy comprehensive evaluation method is used to evaluate the risk. The result shows that the evaluation result is basically consistent with the actual situation of the X village bank. Finally, the concrete risk prevention strategy is put forward according to the actual situation of the village bank. The fifth chapter is the end of the article, this part summarizes the full text of the study, points out the limitations of this study and the aspects that need to be improved, and looks forward to the research in this field.
【學(xué)位授予單位】：大連工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.35

【參考文獻(xiàn)】

相關(guān)期刊論文 前5條

1 吳玉宇;唐意紅;;我國村鎮(zhèn)銀行經(jīng)營風(fēng)險(xiǎn)與防范[J];求索;2009年09期

2 曹冰玉;雷穎;;新型農(nóng)村金融組織信貸風(fēng)險(xiǎn)的預(yù)警模型[J];求索;2010年11期

3 張蕙顯;;村鎮(zhèn)銀行經(jīng)營的挑戰(zhàn)、機(jī)遇和策略探析[J];江蘇商論;2010年01期

4 徐信艷;馬曉青;;村鎮(zhèn)銀行發(fā)展的瓶頸及對(duì)策建議[J];上海農(nóng)村經(jīng)濟(jì);2010年12期

5 李光耀;劉曉紅;;基于層次分析法的室內(nèi)空氣品質(zhì)等級(jí)模糊綜合評(píng)價(jià)[J];蘇州大學(xué)學(xué)報(bào)(工科版);2006年03期

相關(guān)碩士學(xué)位論文 前2條

1 喬榮慶;基于層次分析法和模糊綜合評(píng)價(jià)法的信息安全風(fēng)險(xiǎn)評(píng)估研究與應(yīng)用[D];西安電子科技大學(xué);2009年

2 吳魯智;農(nóng)村信用社運(yùn)行風(fēng)險(xiǎn)評(píng)價(jià)研究[D];山東農(nóng)業(yè)大學(xué);2007年

本文編號(hào)：2446013