绥中长丰村镇银财行务风险分析.docVIP

中文题目：绥中长丰村镇银行财务风险分析 外文题目：Analysis about the Financial Risk of Suizhong Changfeng Rural Bank 摘要 绥中长丰村镇银行是应运而生的新型金融机构，于2010年4月28日成立。随着金融市场的全面放开，银行业务范围的拓展，长丰村镇银行面临的财务风险愈来愈复杂、多样，财务风险管理的重要性日益显现。如何防范和控制财务风险，实现稳健有效经营，是摆在村镇银行面前的重要课题。本文的研究将对村镇银行的发展具有一定的借鉴意义。 以绥中长丰村镇银行为依据，采用案例分析的方法，结合相关的财务风险分析与财务风险控制理论与方法，介绍了长丰村镇银行成立的原因、意义、经营业务、财务状况、优势与机会，并重点分析了长丰村镇银行存在的财务问题与财务风险的成因，最后提出了长丰村镇银行规避财务风险的对策。经研究发现：对于长丰村镇银行来说，其存在的财务风险包括政策风险、流动性风险、资产质量风险、利率风险、财务操作风险和表外业务风险等。这些风险在长丰村镇银行具有特殊性，表现在该银行6大财务风险的成因方面。政策风险、流动性风险等6大风险的成因决定了长丰村镇银行财务风险的规避措施应该具有特殊性和针对性，应该从培育财务风险规避理念、健全财务风险管理体系、构建财务风险内部控制体系、改进财务风险控制方法、提高银行人员素质等几个方面进行，注重措施的可行性。 关键词：长丰村镇银行；财务风险；案例分析；风险规避 ABSTRACT Changfeng Rural Bank which is a new kind of financial institutions emerged as the times require and was set up on April 28, 2010.With the full-scale opening of financial market and the development of bank business scope, Changfeng Rural Bank will face deeper complexity and diversity of risk, risk management plays a more and more important role. How to protect and control financial risk, achieve steady and effective business, is the first important task of rural bank. Research of this thesis means much to the development of rural bank. According to Suizhong Changfeng Rural Bank, with the method of case analysis, it combines with relative analysis of financial risk and the method of financial risk control. The reason, meaning, business scope, financial condition, superiority and opportunity of Changfeng Rural Bank are introduced. The reason of financial problem and financial risk is analyzed selectively. Finally, resources of risk averse are offered. Base on the research, there are many financial risks in Changfeng Rural Bank, such as policy risk, liquidity risk, asset quality risk, interest rate risk, financial operation risk, out-of-sheet business risk etc. These risks are special to Changfeng Rural Bank. They show on the cause of the six financial risks. And they decide the measure to be specificity and dire