黑龙江省金融生态环境下农村金融合作社风险管理机制研究

当前,黑龙江省农村金融合作社金融生态环境存在的问题是,农村信用合作社产权制度改革进展较慢,农村社会征信体系还不完善,农村金融生态法律不健全,基层政府金融生态观念淡薄。构建金融生态环境下农村金融合作社风险管理机制,应加强地方政府的主导机制,完善农村信用合作社金融生态立法机制,加强同业合作,促成良性竞争机制,完善资本补足机制,健全内部治理机制,提升金融合作社抵御风险能力。

Risk Management Mechanism of Rural Financial Cooperatives under the Financial Eco-Environment in Heilongjiang

For rural financial cooperatives,the financial eco-environment in Heilongjiang is poor in terms of the slow property right system reform in rural credit cooperatives,unsound rural social credit information system,incomplete rural financial ecological law and weak awareness of the financial ecology of local authorities.To construct a risk management mechanism for rural financial cooperatives under the financial ecological environment,local authorities should strengthen the guidance role.The rural credit cooperatives should improve the financial ecological legislation mechanism,enhance the cooperation among cooperatives to facilitate a benign competition,complete the capital complementary mechanism,sound the internal governance,and promote the capability to ward off risks.