Research On Building Risk Management System Of The Rural Small And Medium Financial Institution

With the constant improvement of market economic system and the development of the rural economy, rural commercial Banks, rural cooperative Banks, rural credit cooperatives, village Banks, small loan companies, such as the rural small and medium-sized financial institutions has been rapid development.But compared with other financial institutions, rural small and medium-sized financial institutions are facing internal and external risk is bigger, its risk control ability is weak, this has hindered the growth of rural small and medium-sized financial institutions, influence the stability of the countryside, agriculture. Analysis of rural small and medium-sized financial institutions of the internal and external risk, risk control system, the development of rural small and medium-sized financial institutions in the late has more important significance.Based on inductive analysis domestic and foreign scholars on the basis of research achievements, the first theoretical analysis of rural small and medium-sized financial institutions that exist in the form of internal and external risks, including the operating risk, technology risk, system risk, moral risk, market risk and credit risk, etc., and explore the reasons of the existence of these risks, and further illustrate the necessity of the construction of rural small and medium-sized financial institutions, risk control system and the significance.Second, ningxiang in Hunan rural commercial bank promote the practice of the construction of the risk control system as an example, the system elaborated the ningxiang overall construction of rural commercial bank risk control system problems and practical measures.Finally, according to the ningxiang bank risk control system of the construction of the enlightenment, from rural small and medium-sized financial institutions, regulators and government both inside and outside two aspects of the construction of rural small and medium-sized financial institutions, risk control system.