Study On The Risk Prevention And Countermeasures Of Rural Banks

The background of the new rural construction under the establishment of rural banks, is to solve the issues such as the of our existing financial institutions in rural areas, in the presence of network coverage is low, lack of financial supply, competition is not sufficient, the establishment of rural banks to promote comprehensive, diversified investment, the formation of high service efficiency of the new type of rural financial system and better improved rural financial services in rural areas cover, promote the harmonious development of rural areas, has a very important significance. Therefore, the rural banks as a new type of rural financial institutions, to study the risk prevention and precautionary measures is particularly important.The article is based on the background of rural banks from the bud, establishment and gradual development, by the way of combining theoretical analysis and case analysis. It takes Renqiu rural bank as an example. There are five parts in this thesis. The first part is related to the research background of rural banks which rise after the document of”promulgated the on adjusting and relaxing the access policies for banking financial institutions in rural areas, better support for the new socialist countryside construction of a number of opinions” in 2006 After that, the rural banks begin to establish. The scholars start to research about the prospects of Rural Bank,operating strategy, and the relevant situation of rural banks in our country; The second part is about the risk prevention of rural banks. This part introduces the development of rural banks from a village to everywhere. It takes four typical rural banks as examples, introducing the characteristics and development of the rural banks. Then it introduces the basic theory of risk prevention of rural bank, including the risk of rural banks, and how is the risk prevention mechanism of rural banks; the third part and the fourth part take Renqiu rural banks as an example to introduce the relevant things about rural banks. First, it basically introduces the economic and financial environment of Renqiu rural banks. Then it states the operation of Renqiu rural banks in detail. Finally, it points out the current situation of Renqiu rural bank of risk prevention. Facing the existing problems, it can find solution in the fifth part. In the final part, it puts forward some proper advice, such as strengthen credit risk control, improve the competitiveness of rural banks, enhance the comprehensive management system and improve the supply capacity of fund, which is based on the analysis of risk prevention in Renqiu rural bank, and included the credit risk, competition risk, General issues of operational risk and liquidity risk prevention aspects in the rural bank. These suggestions can make up the deficiency of rural banks of their own risk prevention and promote the sustainable development of rural banks, and let rural banks service for rural economy preferably.