农村信用社风险的形成及防范措施 论文.doc

兰 州 大 学 本 科 毕 业 论 文 题 目： 农村信用社风险的形成及防范措施  摘要 本文从我国农村信用社的产生背景、性质出发，对农村信用社风险的成因做出了深入的分析，并提出了一系列防范农村信用社风险的措施。主要从三个方面提出相关的建议和对策，包括建立统一的风险管理机构和组织体系，明确各部门、各岗位的职责，做到层层防范可能产生的风险；建立风险的预警机制，加强对各行业间和客户个人的风险实施预警分析，将某些行业的变动趋势因素纳入风险预警系统指标体系中；要加强金融监管的力度，金融主管机关要加大对农村信用社风险的监督和管理，制定严格的制度，完善监管工作，指导农村信用社做好防范风险的管理。 关键词风险管理 防范措施 The rural cooperatives risk and countermeasures Abstract In the socialist market?economy to advance in depth?and?the strategic adjustment of industrial structure,?rural credit cooperatives in?the deep-seated contradictions accumulated?in the?form?of the?old system?have been exposed,?the financial?risk is more and more obvious,?which seriously restrict the?development of rural credit cooperatives,?rural credit system?has?endanger?the?financial security. Cooperative financial organization in our country has a long history, after the founding of more rapid development, with the socialization degree rise, rural credit cooperatives cooperation properties blurred, and was converted into the national bank in rural grassroots agencies. However rapid development has brought about many drawbacks, such as: property right relations are not clear, legal person governance structure not perfect etc. Problems are exacerbated the rural credit cooperatives the formation of the risk. Therefore according to the rural credit cooperatives of the risk formation of cause, the author puts forward some reasonable right reform methods, and strict implementation of the implementation of the risk prevention do save for a rainy day, so that the rural credit cooperatives health solid previous development. This article from the background of Chinas rural credit cooperatives, properties of the causes of the risk of rural credit cooperatives made in-depth analysis, and put forward a series of measures to prevent the risk of rural credit cooperatives. And mainly from three aspects related out Suggestions and countermeasures, including establish unity of risk managemen