农村信用社金融风险的防范化解（Prevention and resolution of financial risks of rural credit cooperatives）.docVIP

农村信用社金融风险的防范化解（Prevention and resolution of financial risks of rural credit cooperatives） Finance is the core of modern economic activities. In recent years, the Asian financial crisis and financial risk prevention and resolution has become a major concern of governments. In our country, prevent and defuse financial risks work has achieved initial success, but the risk of rural cooperative finance is still prominent, if prevent ineffective, will inevitably affect the central rural economic policy correctly and comprehensively implement, directly affects the stability and development of rural economics Master Thesis of agricultural and rural economic work. It should be noted that since the end of 1996, the rural credit cooperatives and the Agricultural Bank of China have separated from the administrative subordination, and the reform of the management system of rural credit cooperatives has made significant progress, and the management has gradually moved towards a standardized track. But on the whole, the operation of rural credit cooperatives is not optimistic, and there is a potential financial risk. Financial risk refers to the rural credit cooperatives in the rural credit cooperatives in the money and credit intermediary business activities, due to the influence of self management behavior and related natural and social factors, leading to rural credit cooperatives funds, property, the credibility of the possibility of loss. The formation of the current rural credit cooperatives financial risk is mainly manifested as: low quality loans accounted for the high risk of credit assets to form; lending violations, illegal guarantee, caused by overload operation and loss; some credit to the three estate infusion of funds, the use of credit funds to purchase fixed assets, the formation of a large number of assets due to risk; the formation of the interest rate structure is not reasonable or the volatility of interest rate risk due to a variety of financial cases; altern