欠发达地区村镇银行信贷风险管理对策研究——以甘肃瑞信村镇银行为例

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。

Research on Countermeasures of Rural Banks' Credit Risk Management in Underdeveloped Areas

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.