农村信用社风险的形成及防范措施

近年来,农村信用社在改革中取得了一定的积极成效,但其在旧体制下积压的深层次矛盾不断出现,农村金融服务供需失衡问题日益突出,严重制约着农村信贷业务的发展,已经影响到农村金融体系的安全。农村信用社所面临的风险不仅有自身制度的缺陷还有盈利性目标与政策性目标冲突,行业内部体制管理混乱,破产失灵与道德风险,信贷管理落后等,化解这些风险需要通过改善农村金融环境,调整贷款的比例以及结构,建立市场化人力资源管理体制以及健全监管制度,完善信贷风险管理内控机制等手段抑制风险,以利于农村信用社稳步健康发展,实现农村经济和农村信用社持续发展的＂双赢＂。

The Formation of the Risk of Rural Credit Cooperatives and the Relevant Preventive Measures

In recent years , the rural credit cooperatives achieved some positive results during the process of the China＇s reform. However, inflencced by the old economic system, deep-rooted contradictions occur successively. Imbalance between supply and demand of rural financial service is increasingly prominent. , which seriously re stricts the development of rural credit business and even influences the safety of the rural financial system. The risks which the rural credit cooperatives are facing inlcude not only the defects of the system itself, but also the conflicts between the the goal of gaining profits and policy, the chaotic industry internal managing system, the bankruptcy failure and moral risks, the backward credit management, etc. By analyzing above-mentioned risks, the following measures should be taken to prevent the risks, which respectively are to improve the rural financial environment, to adjust the proportion of loans and structures, to establish the marketized system of human resource management and improve the supervision system and to improve the the internal control mechanism of the credit risk management, etc. And these measures are beneficial to the steady and healthy development of the rural credit cooperatives and useful to realize the win-win situation of sustainable development of the rural economy and the rural credit cooperatives.