新型农村金融组织风险管理研究汇编.docxVIP

哈尔滨商业大学本科毕业论文新型农村金融组织风险管理研究学 生 姓 名：指 导 教 师：专 业 班 级：学 号：学 院：二〇 年 月 日摘 要随着我国金融业的日益蓬勃，新型农村金融机构亦如雨后春笋般迅猛增长。与此同时，“三农”问题已成为构建社会主义和谐社会的关键所在。本文从新型农村金融机构入手，对其发展现状及当前风险管理模式等进行探讨，通过对其在风险管理中存在的问题做出分析，提出防范风险的有效策略。这对于彻底解决“三农”问题，发展农村经济，拓宽我国小型金融机构商业化运行和可持续发展之路，共创“双赢”局面，均具有非常重要的理论意义和实践意义。?　　随着我国经济的高速发展，在广大农村地区，实现农民增收、农业发展和农村繁荣，同时“三农”问题也成为构建社会主义和谐社会的关键所在。为了彻底解决“三农”问题，我国已建立了村镇银行、贷款公司、农村资金互助社等新型农村金融机构，虽然这是解决农村金融供给不足、提高农村金融服务的创新之举，但作为新生事物的新型农村金融机构仍面临着各种制约因素，如政策支持力度、运作机制、风险防范能力、金融监管等，这些方面都需要进一步完善和改进。关键词：新型农村；金融组织；风险管理AbstractWith the development of Chinas financial industry, the new rural financial institutions have sprung up like mushrooms. At the same time, the 。three rural。 issue has become the key to building a socialist harmonious society. In this paper, starting from the new rural financial institutions, the development and the current status of risk management mode etc. were discussed, through analyzes problems existing in the risk management, risk prevention strategy is proposed. This to completely solve the problem of 。agriculture, rural areas and farmers, development of rural economy, broaden the road of Chinas small and medium-sized financial institutions commercialization operation and sustainable development, to create a。 win-win 。situation has very important significance in theory and practice. With the rapid development of Chinas economy, in the vast rural areas, the realization of farmers income, agricultural development and rural prosperity, while the three rural issues have become the key to building a socialist harmonious society. In order to solve the problem of 。agriculture, countryside and farmers。, China has established a village banks, loan companies, rural fund cooperatives and new types of rural financial institutions, although this is to solve the problem of inadequate supply of rural finance, improve the rural financial service innovations, but as a new thing of new-type rural financial institutions still faces all kinds of factors, such a