皖北地区农村金融风险的探究.doc

摘要：当前我国正在进入建设小康社会的攻坚阶段，发展农村经济就成为政府的主要工作，其中发展农村金融市场又成为建设新农村工作的重中之重。农村金融市场作为农村经济发展的重要支撑工具，其受到内部和外部双重因素的影响。当前我国农村金融市场也广泛存在着矛盾与问题。无论从风险原因还是从风险结果来看，农村金融有着不同于城市金融的业务特殊性，农村金融是高成本、高风险、低收益的行业，然而由于在我国农村金融市场存在着大量的风险，导致收入与风险不能相平衡。众多大型银行和金融机构不敢贸然进入市场，因此导致当前农村金融市场普遍存在着资金缺乏的问题。因此本文研究农村金融市场所面临的危机不仅有利于化解、防范农村金融危机，而且有利于促进农村金融机构的快速发展，促进加快完善防范农村金融风险相关政的出台和落实。

　　　皖北地区由于其独特的经济环境与自然环境，在农村金融风险的表现上也有其独特的特点。首先，资本盈利性较差，资本结构单一。其次，不良贷款比重较高，信贷评级低。最后，缺乏科学的管理方式，组织结构混乱。对于危机的探究以及相应的解决措施相对其他省份也有一定的借鉴意义。本文在分析农村金融危机的理论上，阐述了皖北地区农村金融市场危机的表现形式以及内外在原因，最后针对内外部原因提出相应的防范措施，如在外部完善皖北农村经济风险防范补偿机制,加快完善完备农业金融市场的法制环境建设等。在内部提高资本运营效率，运用科学的管理模式。

关键词：农村金融风险；皖北地区；信贷需求；解决措施

Abstract：The eighteen Party Congress report emphasizes, "solving problems facing agriculture, rural areas and farmers, it is very important for the overall construction of a well-off society, we must always as a priority among priorities of the party's work". The comprehensive construction of a well-off society, building a new socialist countryside is inseparable from the rural financial support. However, the rural financial to provide important financial support and services for the rural economic development and at the same time, influence of external environment and internal operation factor based on the current rural finance, widely exists in the risk is very prominent, from the point of view of rural financial institutions, such as the existence of credit risk, operational risk, liquidity risk. No matter from the reason of risk or the risk of the results, the rural financial business has a particularity different from city finance, rural finance is high cost, high risk, low income industry. Because of the risk and income do not match, resulting in large amounts of cash flow less than rural areas, rural credit demand is hard to meet the. Therefore, study on the rural financial risk, guard against and defuse financial risks in rural areas, not only contribute to the rural financial institutions to improve risk management level, promote the steady management of rural financial institutions, to improve the operating performance, and enhance the overall strength, also helps to strengthen the rural financial system, promote rural economic development. Based on the rural financial risk in the area as the research object, along the "questions, analyze problems and solve problems" idea, adopting the method of combining normative research and empirical research and comparative analysis method, quantitative analysis, qualitative analysis. In the analysis of the theory of rural financial risk based on, describes the current situation of China's financial risk in the rural areas, including rural financial risk type and form, the characteristics of rural financial risk, the financial risk in China in rural areas were analyzed, finally puts forward the prevention of rural financial risk measures.

Keywords：Northern Anhui  credit demand  quantitative analysis  Countermeasures