The Analysis Of Risk And Risk Management In Small And Medium-sized Financial Institutions In Rural Areas

In recent years, with the development of social and economic development, the continuous improvement of the market economy and the rural economy, rural small and medium-sized financial institutions has been the rapid development of Rural Credit Cooperatives:strong development momentum, the postal savings bank to continue to grow and develop,village banks, small loan company is like bamboo shoots after a spring rain like appearance. However, with the rapid development of medium and small financial institutions over the scale and speed of the continuous exposure, risk, risk control ability weak flaw exposed continually.Risk analysis of rural small and medium financial institutions and take corresponding measures to reduce the level of risk, has a more significant role in the development of rural small and medium-sized financial institutions in the late. This paper will conform to the needs of the current situation, research on risk control of the rural small and medium-sized financial institutions.Based on the analysis on the results of previous studies, this paper firstly analyzes risk existing in rural small and medium-sized financial institutions in the specific theory, according to the main risk the risk of small and medium-sized financial institutions is divided into internal risk and external risk in two categories, is a desirable classification. Then, select the A County Credit Union as a case, using tables, graphics and so on, the risk of rural small and medium-sized financial institutions the case analysis. Based on the classification, this paper makes a concrete analysis of the two kinds of risk in the main, the most outstanding performance of the market risk, credit risk and operational risk, analysis of the causes, risks arising from the impact and consequencesFinally, combined with risk control status of rural small and medium-sized financial institutions, in view of the market, credit and operational risk respectively three, specific and feasible way to enhance the overall and put forward from two specific aspects, in order to provide a reference, reduce the overall risk level of the rural small and medium-sized financial institutions...