农村信用社风险分析.doc

农村信用社风险分析 【摘要】农村信用社作为我国最基层的金融机构，是我国农村金融系统的主力军。在经济体制不断改革的今天，我国的农村信用社在农村经济发展中起到了十分重要的作用。但是由于其管理和经营体制等深层次的问题没有得到有效的解决，使其在经营管理中存在着很大的风险。同时农信社的服务对象特殊，国家相应政策的不完善，也制约了它健康稳定的发展。本文从农村信用社的各类风险入手，分析其现有风险的种类及其产生的原因，把研究重点放在几个有代表性的风险中。利用近几年农村信用社发展的信息和参考其他学者的研究案例来总结农信社的风险成因。最后结合我国农信社的实际发展情况，为其主要风险的解决办法提出合理的建议。 【关键词】农村信用社风险；The Rural Credit Cooperatives Risk Analysis Abstract：Rural credit cooperatives in China as the most basic financial institutions, is the mainstay of rural financial system in our country. In the economic system reform continuously today, Chinas rural credit cooperatives in rural economic development plays a very important role. But because of its management and operation system, deep problems didnt get effective solution, make its in business management exist in a lot of risks. At the same time of the rural credit cooperatives service object special, the state of the relevant policies is not perfect, also have restricted the healthy and stable development of it. This paper, from the various kinds of risks of rural credit cooperatives, and analyzes its existing types of risk and the reasons, and the research emphasis on several typical risk. Use of rural credit cooperatives in recent years the development of information and reference other research of the case to the risk of rural credit cooperatives summary causes. The last of the rural credit cooperatives in combination with the actual development situation, for the main risk solutions put forward reasonable Suggestions. Key words: Rural Credit Cooperatives; Risk Analysis; Business Risk; Preventive Measures 目 录 摘 要………………………………………………………………………………………Ⅰ Abstract………………………………………………………………………………………Ⅱ 引 言………………………………………………………………………………………1 一、我国农村信用经营体制 2.经营环境 3.管理信用 5.流动性 （二）操作上的不足…………………………………………………………………………4 1.柜台业务操作环节…………………………………………………………………………4 2.重要空白凭证、印章和柜员卡及密码管理方面…………………………………………4 3.现金调拨和金库、尾箱管理及帐务管理方面……………………………………………4 （三）财务现状………………………………………………………………………………4 1. 财务核算存在很多问题…………………………………………………………………4 2. 财务管