| 我国区域农村微型金融机构风险的评价及控制 |
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| 引用本文： | 周才云.我国区域农村微型金融机构风险的评价及控制[J].河南金融管理干部学院学报,2013(6):72-77. |
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| 作者姓名： | 周才云 |
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| 作者单位： | 华东交通大学人文社会科学学院,江西南昌330013 |
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| 基金项目： | 教育部人文社会科学研究青年基金项目（10YJC790404）;江西省社会科学研究青年项目（12YJ52） |
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| 摘 要： | 农村微型金融机构在弥补正规金融支农不足等方面发挥着重要作用,但同时面临一系列风险隐患,如何动态把握其金融风险状况显得尤为重要.基于VaR模型,对2000～ 2010年我国各区域农村信用社99％置信区间下的VaR风险值进行定量评价,得出结论：从建立区域金融发展圈、构建区域金融风险预警监测体系和实行区域间有差别的信贷政策三方面着手,控制我国农村微型金融机构风险,保障其稳健、有效运行.
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| 关 键 词： | 微型金融机构 VaR模型 风险评价 风险控制 |
Risk Evaluation and Control of China＇s Regional Rural Micro-finance Institutions |
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| ZHOU Caiyun.Risk Evaluation and Control of China＇s Regional Rural Micro-finance Institutions[J].Journal of Henan College of Financial Management Cadres,2013(6):72-77. |
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| Authors: | ZHOU Caiyun |
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| Institution: | ZHOU Caiyun (Institute of Humanities and Social Sciences, East China Jiaotong University, Nanchang , Jiangsu 330013, China ) |
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| Abstract: | Rural micro-financial institutions play an important role in making up the lack of financial support for agriculture from formal finance, and also face a series of potential risks. How to grasp financial risk profile in a dy- namic way is particularly important. A quantitative evaluation is made on the VaR values of rural credit cooperatives in China＇ s various regions under the 99% confidence interval VaR from 2000 to 2010 according to the VaR models. The conclusions are as follows： it＇ s necessary to commence from establishing regional financial development circles, building a regional financial risk early-warning and monitoring system and implementing regional inter-differentiated credit policy, so as to control the risks for China＇s rural micro-finance institutions and safeguard the steady and effective operation of the institutions. |
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| Keywords: | micro-financial institutions VaR model risk evaluation risk control |
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