农村商业银行风险控制的若干思考.docVIP

郑州XXXXXXXXX 毕 业 论 文（设 计） 2013届 金融学 专业 XXXXX 班级 题 目 农村商业银行风险控制的若干思考 姓 名 XXXX 学号 XXXXXXX 指导教师 XXXX 职称 副教授 二О 一三 年 五 月 二十二 日 内 容 摘 要 农村商业银行作为转制而来的新型金融机构，由于起点低，底子薄，人员素质较低等先天不足，加之国际金融市场竞争的日益严峻，因此迫切地需要通过发展来适应日趋激烈的市场竞争。而强化风险控制作为商业银行经营管理体制的核心环节,对农村商业银行生存与发展过程的重要性也是不言而喻。本文针对农村商业银行现阶段所面临的主要风险，通过介绍农村商业银行的发展现状分析了我国农村商业银行在风险控制方面存在的问题，并就如何解决这些问题、健全风险监管机制，提出了风险控制的基本思路与对策建议。同时本文根据农村商业银行因农村地区发展的特殊性与复杂性，创造性的提出农村商业银行创新风险管理技术有效的控制农村商业银行风险的举措。 关 键 词 农村商业银行；风险控制；内控机制 Ideas of Risk Control in Rural Commercial Banks By: XXX??? Supervisor: Associate Professor, XXXX Abstract As a new form of financial institution just completing systems transformation, rural commercial banks have such inherent disadvantages as a low starting-point and poor staff competency , Combined with the international financial market competition is becoming more and more serious and are in urgent need of development so as to survive the increasingly fierce market competition .A stronger risk control is a core link in commercial banks’ operations and its significance for rural commercial banks survival and the development process is also self-evident. This article in view of the countryside major risks faced by commercial Banks at present, through the introduction of the current situation of the development of rural commercial bank is analyzed in our country rural commercial bank in risk control problems, and how to solve these problems and improve the risk supervision mechanism, puts forward the basic ideas and countermeasures of risk control. At the same time according to the rural commercial bank because of the particularity and complexity of the development of the rural areas, creative innovation in rural commercial bank risk management technology is put forward effective control measures of rural commercial bank risk. Key Words Rural commercial bank ; precaution of risks ; Internal control mechanisms 目 录 TOC \o 1-3 \h \z \u 一、农村商业银行面临的主要风险