摘要
村镇银行的诞生推动了农村金融竞争格局的形成,对推动农村经济发展起到了积极作用。然而,由于立足于农村,面临不确定的经营环境,村镇银行信贷风险管理问题较为突出。该文在对甘肃瑞信村镇银行进行实地调查的基础上,分析了欠发达地区村镇银行存在的风险防范意识薄弱、内控机制不完善、管理手段及方法落后等问题,提出了不断改革完善内部机制,强化外部保障措施的对策建议。
With the born of rural banks,rural financial competition pattern was formed and it promoted the rural economic development.However,because established in village,rural banks faced uncertain environment and its credit risk management problem relatively severe.Based on field investigation of Gansu Ruixin rural bank,it was found that the rural bank in undeveloped area existed weak awareness of risk prevention,imperfect inner control mechanism,backward management tools and methods.Several countermeasures for renovating and perfecting inner mechanism,strengthening external safeguard measures were put forward.
出处
《安徽农业科学》
CAS
2013年第16期7345-7346,7349,共3页
Journal of Anhui Agricultural Sciences
基金
甘肃农业大学盛彤笙科技创新基金项目"甘肃村镇银行信用风险管理体系构建研究"(GSAU-STS-1204)
甘肃省哲学社会科学规划项目"甘肃省农民专业合作社融资问题调查分析"
关键词
村镇银行
信贷风险管理
欠发达地区
对策
Rural banks
Credit risk management
Underdeveloped area
Countermeasures
