导　　师： 袁红

学科专业： 1251

授予学位： 硕士

作　　者： ;

机构地区： 宁夏大学

摘　　要： 随着金融业日新月异地发展,农村金融服务在逐渐完善的金融体系中略显薄弱,特别是近年来股份制银行在经营管理、市场竞争、目标管理、风险控制、潜在客户开发等层面都已经转向了高端市场开发。处于金融业边缘化农业金融服务的需求日趋明显,四大国有银行在不断完善的市场竞争体系中,国家对农业领域颁布的相关政策由专业化、重点扶持化转向灵活化和可控化。在这种背景下,村镇银行的诞生及时弥补了金融市场的空白,在着力发展“三农”经济以及调整农业金融服务的重心方面,向着更加广泛的农业基础化产业延伸。我国的村镇银行历经七年的发展,不仅实现了村镇银行与其他银行的市场有效竞争,而且更加完善了金融服务手段和服务能力,村镇银行成为支持“三农”发展和农村微小企业发展的金融主力军。然而由于村镇银行规模小、地域分散等原因,在其经营过程中不可避免存在风险,风险的产生严重制约了村镇银行的可持续发展。在村镇银行快速发展的趋势下,最大限度的控制经营风险,越来越引起国内外学者的高度重视。因此,本文以濮阳鹤银村镇银行为研究对象,探讨和研究了村镇银行的经营风险管理问题。 通过深入濮阳鹤银村镇银行经营管理,运用调查统计法、个案针对法、文献归纳法相结合的方法,积极探索和研究该村镇银行经营风险因素存在原因,并提出相关针对性对策,为濮阳鹤银村镇银行的可持续发展提供切实可行的管理策略目标。 本文通过提出问题、分析问题、解决问题的研究方法,对经营风险进行深层次的探讨和研究。首先,对村镇银行产生的背景、国内外关于银行经营风险研究进行阐述；其次,引入银行经营风险相关理论；再次,介绍濮阳鹤银村镇银行经营现状,着重分析在现阶段显现经营风险的问题及原因；最后,提出提高濮阳鹤银村镇银行经营风险管理水平的对策。 With the development of financial industry, financial services in rural areas has become a little weak in the financial system which has become gradually complete, especially in recent years the joint-stock banks have turned to high-end market in the aspect of business management, market competition, goal-management, risk control, potential customer development, which has made this situation more obvious. The demand of agricultural financial has become more and more obvious. The four state-owned banks in perfecting system of market competition and the agriculture policy that issued by state has turned from specialization and pointy support to flexible and controlled. Under this background, the appearance of rural bank make up the blank of financial market on the aspect of developing agriculture and the focus of agricultural finance, we are aiming to extend to a more widely agricultural industry. China's rural banks have developed for seven years, not only realized a reasonable competition between rural banks and other banks, but also complete the means and ability of financial service. Rural banks have become the main force of agriculture development and middle and small sized enterprise development. However, because the rural bank's small scale and geographical dispersion, there exists risk in its business process and the risk seriously restricted the sustainable development of rural banks. So under the tendency of rural banks fast development, how to control the business risk furthest has become a big issue which international and domestic academics pay high attention. Therefore, this paper takes Puyang crane Silver rural banks as the research object, discusses and studies the risk management of rural band issue. In this paper, according to the deep analysis of Puyang crane Silver's management, using investigation and statistical method and literature conclude method and actively explore and study the rural banking risk reasons and put forward the related countermeasures. In this thesis, through the three steps of put forward problem, analysis the problem and solve the problem to discuss and study the business risk. Firstly, state the background of rural banks, domestic and foreign research about the risk of bank management. Secondly, introduce introducing the bank risk management theory. Once again, introduce the current situation of Puyang crane Silver bank, analysis the business risk issue at the present stage. Finally put forward the countermeasures to improve the risk management level of Puyang crane Silver Village bank.

关 键 词： 村镇银行 管理风险 控制 管理策略

分 类 号： [F832.35]

领　　域： [经济管理]