我国村镇银行信用风险的控制防范.docxVIP

我国村镇银行信用风险的控制防范 我国村镇银行信用风险的控制防范 我国村镇银行信用风险的控制防范 村镇银行是主要在村镇地区设立的既不是完全意义上的商业银行也不是实质上的政策性银行，它主要的目的就是为当地农民、农业和农村经济发展提供金融服务，是以农村小额信贷业务为主的具有政策性银行色彩的特殊商业银行。村镇银行的出现增加了农村金融的多样性，给农户和农户中小企业带来了更为多样的金融服务选择和丰富的信贷、投资等金融产品，但同时又由于村镇银行的不成熟，金融管理机制不完整、信贷系统存在漏洞、贷款担保制度存在缺陷和借贷双方的主观因素等原因，使得村镇银行所面临的信用环境脆弱，为信用风险的发生埋下了隐患。而减少信用风险最直接有效的方法就是在信用风险发生前进行防范，所以制定有效可行的信用风险防范机制是必不可少的。随着村镇银行的不断扩大，村镇银行存在的问题也逐渐暴露出来，因为其密切关系着我国的三农建设，农村经济需要村镇银行的大力支持，而村镇银行的良好运行需要有具体的金融体制来指导，所以我们需要因村镇银行的特殊性和“三农”的实际情况来建立完善的金融体制来规范村镇金融市场。本文对村镇银行的现状、村镇银行信用风险的特点及做法进行了简述，为了探索符合村镇银行特征的信用风险防范机制。 关键词：村镇银行信用风险防范机制 Chinas village Banks credit risk control Abstract Village Banks is mainly set up in rural areas ,Neither completely in the sense of commercial Banks is nor essentially policy Banks, its main purpose is for local farmers, agriculture and rural economic development to provide financial services, predominantly rural microfinance has a special policy Banks of commercial Banks. The appearance of village Banks to increase the diversity of the rural finance, brings to the farmers and farmers of small and medium-sized enterprises more diversified financial services selection and rich financial products, such as investment credit, but at the same time, due to the immature village Banks, financial management mechanism is not complete, credit system loophole, the deficiency in the system of loan guarantees and lending both sides of the factors of subjective factors, makes the village Banks credit environment faced risks. And reduce the credit risk is the most direct and effective method to protect against it, before the credit risk so make effective feasible credit risk prevention mechanism is necessary.With the expansion of the rural Banks and rural Banks problems also gradually exposed, because of its close relationship with agriculture, rural areas and farmers in our country, the rural economy needs support of village Banks, and village Banks running need to have specific financial system to guide, so