Our Country Rural Cooperative Financial Risk Measure And Protection Research

At present, rural cooperative financial institutions in our country, bearing the main financial task of supporting agriculture in the new countryside construction, are on the tough period of reform, whose safety management become a top priority.In recent years, rural cooperative financial risk management faced new challenges because of some notable problems such as economic transformation, the negative influence from disharmonious factors of institutional transition and International financial crises. In2003, the state council figure out the three basic mode of our country rural cooperative financial reforming, include commercial bank model, cooperative banks model and comprehensive cooperation model. Under the guidance, the reform of rural credit cooperatives widely spread. Choosing rural cooperative financial risk as the research object has strong prospective because lacking the Specific argument about the risk prevention in the reform.Yangzhou,the core city in middle jiangsu, which improved its regional competition obviously by perfecting its infrastructure and clear industry positioning. Since the rural areas is on the economic transition,and the rural industrialization process is at the beginning stage, the problem of "three agriculture" is prominent in the rural. Therefore, the selection of yangzhou rural areas, can gain experience from the developed countryside and offer reference for the development countryside, which have strong theory value and practical significance.On the background of strengthening rural regional financial security of new rural construction, we introduce the rural cooperative financial development course following by idea from abstract to specific ideas and basing on the rural cooperative financial risk, Meanwhile, combining the homes outs financial risk evaluation theory experience, we estimate the risk of rural cooperative financial institutions in Yangzhou and find out the main influence factor of risk level. Finally, according to the empirical results,this paper put forward the rural countermeasures and Suggestions cooperative financial risk prevention. Specific section content as follows:Chapter l,Introduction.Briefly introduce the background and the ways of thinking.Chapter2, Summarize the theories related to this study.Chapter3,Theoretical framework of this study,which define the related concept, introduce rural cooperative financial model and management status, discusses special forming mechanism of rural cooperative financial risk in our country.Then category and status of rural cooperative financial risk, which analysis the main risk of rural cooperative financial institutions in yangzhou.Chapter4,Measure the level of yangzhou rural cooperative financial risk. From the homes outs rural cooperative financial risk early warning evaluation index system and the risk estimate method,based on the2005-2010yangzhou mainly rural cooperative insititutions’relevant data,find out the main influence factor of risk level.Chapter5,Main conclusions and adaptive strategics.Put Forward Some Advice according to the conclusions of empirical analysis.