本文關(guān)鍵詞：黑龍江省農(nóng)村金融合作社運(yùn)營(yíng)風(fēng)險(xiǎn)管理研究　出處：《齊齊哈爾大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

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【摘要】：農(nóng)業(yè)是我國(guó)的基礎(chǔ)產(chǎn)業(yè)，“農(nóng)業(yè)、農(nóng)村、農(nóng)民”一直是關(guān)系民生的重要問(wèn)題，要解決“三農(nóng)”問(wèn)題最重要是資金支持。農(nóng)村金融合作社是以支持“三農(nóng)”發(fā)展做為經(jīng)營(yíng)目標(biāo)，是農(nóng)村金融市場(chǎng)中的主力軍。溫家寶總理曾說(shuō)：“中國(guó)大糧倉(cāng)，拜托黑龍江”，黑龍江省是我國(guó)的農(nóng)業(yè)大省，地處東北老工業(yè)基地，經(jīng)濟(jì)發(fā)展滯后，農(nóng)業(yè)發(fā)展急需金融支持。黑龍江省農(nóng)村合作金融在農(nóng)村金融市場(chǎng)占主要地位，但是在發(fā)展過(guò)程中，歷史遺留問(wèn)題多、信貸資產(chǎn)不合理、不良貸款率高、資本充足率低、經(jīng)營(yíng)管理不科學(xué)等問(wèn)題一直阻礙著農(nóng)村合作金融機(jī)構(gòu)的改革發(fā)展。因此，本文以黑龍江省農(nóng)村合作金融機(jī)構(gòu)中占主導(dǎo)地位的農(nóng)村信用社為研究對(duì)象，首先分析資金運(yùn)營(yíng)過(guò)程中的風(fēng)險(xiǎn)存在的原因；其次，在識(shí)別運(yùn)營(yíng)風(fēng)險(xiǎn)影響因素基礎(chǔ)上構(gòu)架風(fēng)險(xiǎn)評(píng)價(jià)體系；最后為提高黑龍江省農(nóng)村金融合作社運(yùn)營(yíng)風(fēng)險(xiǎn)管理提出可行性建議與對(duì)策。 本文共有五部分，首先介紹本文選題的背景、目的以及意義，歸納總結(jié)國(guó)內(nèi)外關(guān)于農(nóng)村合作金融風(fēng)險(xiǎn)管理研究現(xiàn)狀，在此基礎(chǔ)上提出研究本文的總體思路與創(chuàng)新之處。第二部分是介紹了農(nóng)村合作金融的發(fā)展的基本理論，在明確合作經(jīng)濟(jì)的發(fā)展、合作金融的原則的基礎(chǔ)上，總結(jié)國(guó)內(nèi)外比較典型的合作金融運(yùn)營(yíng)發(fā)展的經(jīng)驗(yàn)；對(duì)相關(guān)金融風(fēng)險(xiǎn)管理理論介紹基礎(chǔ)上，界定了本文研究的農(nóng)村合作金融的運(yùn)營(yíng)風(fēng)險(xiǎn)管理的概念。第三部分是從黑龍江省農(nóng)村金融合作社資金運(yùn)營(yíng)過(guò)程中的外部金融生態(tài)環(huán)境與內(nèi)部經(jīng)營(yíng)管理兩個(gè)方面分析其存在的風(fēng)險(xiǎn)以及問(wèn)題，在識(shí)別風(fēng)險(xiǎn)的同時(shí)總結(jié)黑龍江省農(nóng)村金融合作社運(yùn)營(yíng)風(fēng)險(xiǎn)管理的問(wèn)題。第四部分是在第三部分識(shí)別運(yùn)營(yíng)風(fēng)險(xiǎn)的基礎(chǔ)上構(gòu)建風(fēng)險(xiǎn)評(píng)價(jià)模型，風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系包括外部金融生態(tài)環(huán)境和內(nèi)部管理方面的因素，通過(guò)AHP賦予各指標(biāo)權(quán)重，利用指標(biāo)評(píng)分計(jì)算綜合得分，，最后對(duì)黑龍江省農(nóng)村金融合作社風(fēng)險(xiǎn)狀況進(jìn)行綜合評(píng)價(jià)。第五部分是在對(duì)以上章節(jié)研究的基礎(chǔ)上對(duì)黑龍江省農(nóng)村金融合作社的運(yùn)營(yíng)風(fēng)險(xiǎn)管理提出可行性建議，對(duì)運(yùn)營(yíng)風(fēng)險(xiǎn)進(jìn)行規(guī)避與防范。
[Abstract]:Agriculture is the foundation of our country industry, "agriculture, countryside and farmers" is the important issue of people's livelihood, to solve the "three rural issues" is the most important financial support. The Rural Financial Cooperatives is to support the development of "three agriculture" as the management goal, is the main force in the rural financial market. Premier Wen Jiabao once said: "Chinese big barn, please. Heilongjiang, Heilongjiang province is a major agricultural province in China, located in the northeast old industrial base, economic development lags behind, the agricultural development of much-needed financial support in Heilongjiang province. The rural cooperative finance in rural financial markets dominate, but in the process of development, historical issues, credit assets reasonable, high rate of non-performing loans, low capital adequacy, scientific management and other problems have been hindering the reform and development of rural cooperative financial institutions. Therefore, this paper takes Heilongjiang province rural cooperative financial institutions accounted for The dominant position of the rural credit cooperatives as the research object, firstly analyzes the causes of venture capital in the operation process; secondly, in recognition of the operational risk factors based on the framework of risk evaluation system; finally, in order to enhance the Heilongjiang Province Rural Financial cooperatives operating risk management put forward feasible suggestions and Countermeasures.
This paper consists of five parts, the first introduces the background, purpose and significance, summarizes the domestic and foreign about rural cooperative financial risk management research status, on the basis of the general idea and innovation. The second part is to introduce the basic theory of the development of rural cooperative finance, the development of clear economic cooperation. Based on the principle of cooperative finance, summarize the experience of the typical cooperative financial operation and development at home and abroad; to introduce related theory of financial risk management on the basis of this study, defines the concept of rural cooperative finance operational risk management. The third part is the analysis of risk and its existing problems from two aspects of rural areas in Heilongjiang province the capital operation of Financial Cooperatives external financial ecological environment and internal management, summarizes the Heilongjiang Province agricultural village of gold in identifying the risk at the same time For the fusion problem of risk management agency operation. The fourth part is the risk evaluation model based on the third part of the operating risk identification, risk evaluation index system including factors of external financial environment and internal management, through the weight of each index is given by AHP, the total score index score, the last comprehensive evaluation of risk in rural areas Financial Cooperatives in Heilongjiang province. The fifth part is based on the above chapters on the Heilongjiang Province Rural Financial cooperatives operating risk management put forward feasible suggestions on the operation and risk prevention.

【學(xué)位授予單位】：齊齊哈爾大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.35;F272.3

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