Research On The Measures Of Sanmenxia’s Rural Financial Risk

China is a developing country which gives priority to the agriculturalpopulation.Agriculture is the foundation of Chinese national economic which is the importantconstituent of the whole national economy. The rural economy is developing fatly that cannotwithout the effective support of rural finance. During the operation of the countrysideeconomy, reasonable arrangement of the rural financial can not only reduce the borrowingcosts of agricultural producer, but also can dissert the risk which produces during the processof production and management. In order to promote the rural economic activity predictability,so as to promote the development of agricultural production in rural economy. In recent years,influenced by their own multiple factors, China’s rural financial risk problem is prominent.While the rural finance is an important of the financial system, which function is noticeable.At present rural finance of our country do not operation efficiently，the rural financial risksoccurs continuously，therefore，it is meaningful to research the reason of the rural financialrisks and to prevent and resolve financial risks. This is not only beneficial to improve themanagement of the rural financial institution， but also important to protecting farmers’interests，promoting social’s stability，improving allocation of resources efficiency.This thesis takes the Sanmenxia rural financial institutions as the object of study, pointingout tthe current financial risk on situation, analyzing the current situation of the developmentof rural financial risk systematically of Sanmenxia, pointing out the existing problems ofSanmenxia rural financial risk. From the systematic risk and unsystematic risk two aspectselaborated financial institutions risk problem of root formation, combined with China’scurrent construction of the rise of Sanmenxia rural financial demand, putting forward to ruralpolicy suggestions and measures to prevent and dissolve the financial risks of Sanmenxia.Atlasr stresses the importance to strengthen the supervision and management of financial risks,which is the basis of rural financial risk in Sanmenxia.The full thesis is divided into five chapters. The first chapter of introduction describes thebackground, significance, while introducing the suggestion of aboard in order to solve theproblem. The second chapter for the rural financial risks introduces the rural financial riskconcept and characteristics, and analysis of China’s rural financial risk and cause of ruraleconomy, financial institutions in their own management and other factors, including the development of rural economy, financial institutions for the low quality of personnel andother reasons. The third chapter of the Sanmenxia rural financial risk status, on massiveliterature materials and on the basis of extensive investigation, affirmed the Sanmenxia inrecent years and the institutional transition process of the achievements. Simultaneouslypointed out the Sanmenxia area in the rural financial in the presence of many of the financialrisk, agricultural instability leading to fight risk ability low, demand for funds dispersed someunstable, management form single will not risk dispersion. The fourth chapter of Sanmenxiarural financial risk analysis of causes, from the systematic risk and unsystematic risk twoaspects launches the research, emphasizing the lack of stable rural economics which is basedon the direct source of systemic risk, rural financial institutions to their corporate governancerisk pipeline culture is the lack of the systemic risk arising the main reason. The fifth chapterputs forward some Sanmenxia rural financial risk prevention measures, open rural financialmarket to introduce competitive mechanism, put forward to want to accelerate rural financiallegal system construction, strengthen finance to superintend strength to solve the Sanmenxiarural financial system risk. For the non systematic risk of settlement, should focus on thebuilding of risk management culture perspective, the establishment of risk managementculture of the three defence line, put forward innovative financial services andcountermeasures.