新型农村金融机构潜在风险及其防范研究.docxVIP

经典专科、本科、硕博、研究生、期刊毕业论文 仅供参考 精心整理 仅供参考 勿用作商业用途 经典专科、本科、硕博、研究生、期刊毕业论文 仅供参考 精心整理 仅供参考 勿用作商业用途 摘要 现代农村经济市场的核心是农村金融市场，金融机构是农村金融体系的重中之重。银监会于2006年提出放宽农村银行业金融机构准入政策，成立并试点包括村镇银行、贷款公司、农村资金互助社、小额贷款公司四类新型农村金融机构，这一举措对于完善农村金融服务体系，满足农村建设需求，促进“三农”发展，有着十分重要的意义。因此对于新型农村金融机的潜在风险防范机制的研究尤为重要。 本文是关于新型农村金融机构潜在风险以及其相关防范对策的研究。首先提出课题研究的背景意义及国内外学者们针对这课题的相关研究成果。其次介绍新型农村金融机构的四种形式及各自性质，以我国新型农村金融机构发展现状为基础，针对新型农村金融机构面临的潜在风险，分析其产生的内外部原因和信息不对称的理论原因，再以温州市小额贷款公司风险及防范研究为典型案例分析，从中得出经验结论和启发，从完善风险内部控制，优化经营外部环境及建立健全农村社会信用体系三个方面对我国新型农村金融机构风险防范提出了对策。 关键词：新型农村金融机构；潜在风险；风险防范 Abstract The core of the modern rural economic market is the rural financial market, financial institutions is the top priority of the rural financial system. In 2006, the CBRC proposed to relax the access policy of rural banking financial institutions. The establishment and piloting of the four types of new rural financial institutions, including village and village banks, loan companies, rural credit cooperatives and microfinance companies, are aimed at improving the rural financial service system , To meet the needs of rural construction, promote the three rural development, has a very important significance. Therefore, it is very important to study the potential risk prevention mechanism of the new rural financial machine. This paper is about the potential risks of new rural financial institutions and their related countermeasures. First of all, the background of the research and domestic and foreign scholars on the subject of the relevant research results. Secondly, it introduces the four forms and the nature of the new rural financial institutions. Based on the present situation of the new rural financial institutions and the potential risks of the new rural financial institutions, the author analyzes the internal and external causes and information asymmetry of the new rural financial institutions, This paper analyzes the risk and prevention of micro-credit companies in Wenzhou, and draws the conclusion and inspiration from t