农村信用社金融风险的成因及防范

随着我国金融体制改革的不断深入 ,各大商业银行在农村的业务日益收缩 ,农村信用社将真正成为支持我国农村经济发展最重要的金融机构之一。文章指出 ,农村信用社能否健康、快速地发展是一个我国农村经济乃至整个国民经济稳定发展的重要问题。     

农村信用社急需防范化解金融风险

农村信用社急需防范化解金融风险●高兴民董贺春王纪红由于历史沉淀和现实的原因,目前农村信用社存在着不少急需解决的问题,既影响其按合作制原则进行规范,也阻碍着农村信用社的持续、稳定发展,据调查,突出表现在：一、风险防范意识弱,员工业务素质待提高由于长期以...     

切实抓好防范与化解金融风险工作

随着我国社会主义市场经济的深入发展和金融体制改革力度的加强,农村信用社与中国农业银行脱钩后,长期积聚的金融风险已成为制约农村金融体制改革与发展的严重障碍。其表现为:一是资本金损失严重,难以抵抗风险;二是存贷比例偏高,超负荷经营加重;三是贷款质量低下,信贷风险越来越明显;四是名盈实亏现象严重,持续经营艰难;五是支付陷入困境,信誉受到影响。牵牛须牵牛鼻子,抓风险防范,就必须把握住风险的源头。什么是金融风险的主要源头?商业银行是以贷款为主营业务,其最终目标是为了获取利润的最大化,其资产质量与收益对商业银行的兴衰成败具…     

我国金融风险成因分析与防范研究

金融风险是金融市场和金融活动的内在属性，是金融经济活动的必然伴生物。完善和建立金融风险防范机制，促进金融业和国民经济健康发展，具有重要的理论和现实意义。文章从我国金融风险的现状出发，对金融风险的涵义、特征、原因进行深入分析，提出我国金融风险的防范对策与建议。     

农村信用社经营风险的防范和化解

文章指出 ,农村信用社由于所处位置的特殊性以及长期以来隶属关系的领导和管理层几经变动 ,始终没有一个独立的强有力的体系来真正实施服务管理和监督 ,加上发展方向又长期摇摆不定 ,导致其经营风险更为突出 ,风险程度比其他金融机构都大。因此 ,必须加强防范和化解金融风险。     

科学管理 稳健经营 防范金融风险

科学管理稳健经营防范金融风险□宋志海孙菊青目前，农村信用社存在的金融风险日趋严重，集中表现为队伍素质低、资产质量低、经营效益低、经营风险高。“三低一高”问题严重威胁到信用社的生存和发展，转变“三低一高”已成为信用社面临的迫切任务。本文结合邯郸城郊信用...     

农村信用社潜在风险及防范化解措施

文章提出了农村信用社应创新业务 ,开拓市场 ;强化信贷管理 ,合理处置不良资产 ;联合治理 ,净化金融市场秩序 ;明晰产权关系 ,完善法人治理结构 ;健全制度 ,加强内控 ;制定相关政策 ,支持信用社发展等措施     

县域金融风险的特点及防范对策

县域金融风险的特点及防范对策●赵振奇王立建一、县域金融风险的特征１、县域金融风险主要集中于信用风险和支付风险两大类型。贷款逾期率普遍较高,不良资产比例过高,资产负债结构严重不对称,合作金融组织支付的压力很大。２、农村合作基金会违规经营金融业务,使其经...     

黑龙江省农村金融领域的信用风险及其防范

信用是市场经济的基础,也是市场经济的必然产物,因此,信用风险一旦发生就会对经济发展产生诸多不利影响,在金融领域的影响尤为严重。中国作为一个农业大国,农村金融领域发生信用风险就会严重地制约经济的总体发展水平。因此,从农村金融的角度,以黑龙江省为例,提出合理防范农村金融领域的信用风险,对黑龙江省整体县域经济发展具有重要意义。基于此,分析了农村金融领域信用风险产生的原因和对区域性农业经济发展的影响,提出了相应的风险防范措施.     

企业财务危机及其防范对策

要想加快企业发展,提高企业市场竞争能力,就不能不对财务危机进行及时的预防和规避,本文对企业财务危机出现前的一些征兆及其防范对策等进行了阐述,得出只要管理得周全,企业的财务危机可以规避和防范的结论.     

Directed credit,financial development and financial structure: theory and evidence

The recent initiative of the RBI in reviving the policy of directed credit allocation in a period dominated by the neoliberal philosophy necessitates reconsideration of the role of policy-directed credit allocation process on financial development and financial structure of firms. Introducing certain policy parameters, the paper attempts to model how financial development-financial structure interlinkage is influenced by the liberalization policies of the government. The theoretical construct is empirically verified using both aggregated and disaggregated (firm-level) data comprising a panel of 932 Indian manufacturing firms. Findings reveal that following the liberalization measures in the early 1990s, there has been a structural shift in the debt–equity ratio of firms, with equity market activities assuming prominence over time. As regards financial development, it has been observed that the withdrawal of DFIs specialized in term-lending activities in the early 2000s led to a significant increase in the degree of financing constraints faced by the manufacturing firms. This contradicts the basic premise of financial liberalization. The paper argues that under certain conditions, government intervention in the form of directed credit programmes would not only act as an effective instrument in ushering financial development, but also provide important guidelines in ensuring sustainability of institutions.     

Feedback effects between credit ratings and financial markets

Credit rating agencies often make sharp adjustments in their pronouncements during times of stress in financial markets. These adjustments typically happen with a delay relative to shocks in market prices. Since prices convey information about what market participants are doing and thinking, it is likely that rating agencies take into account market prices when issuing their pronouncements.In order to understand the relationship between credit ratings and financial prices, we develop a model of debt roll-over in which rating agencies incorporate information publicly available in financial markets. We find that (1) rating agencies respond to market prices, i.e. nonfundamental price volatility can shift financing conditions from a low risk spread and high credit rating equilibrium to an equilibrium with high spread and low rating, and (2) rating agencies can anchor expectations about the equilibrium in financial markets, thus serving as an antidote to nonfundamental price volatility.     

Bank lending procyclicality and credit quality during financial crises

This paper analyses macroeconomic and financial determinants of bad loans applying a SVAR approach to investigate whether excessive loans granted during expansionary phases can explain the more than proportional increase in non-performing loans during contractionary periods. The results indicate that the effects of a permanent shock to bad loans on the excess of credit are significant and persistent for bad loans to firms, but not for bad loans to households or in the case of Cooperative Credit Banks, who adopt more efficient lending policies.     

我国农村金融抑制与金融深化问题浅析

自从20世纪70年代初美国经济学家麦金农和肖提出金融深化以来,该理论逐渐发展成为发展经济学的重要组成部分,并对广大发展中国家的经济实践产生了巨大的影响.本文在对金融深化理论进行综述的基础上,从金融抑制角度分析了目前我国农村金融体系存在的主要问题,并相应提出我国农村金融深化的一些政策、措施.     

我国农村金融抑制与金融深化问题浅析

自从20世纪70年代初美国经济学家麦金农和肖提出金融深化以来，该理论逐渐发展成为发展经济学的重要组成部分，并对广大发展中国家的经济实践产生了巨大的影响。本文在对金融深化理论进行综述的基础上，从金融抑制角度分析了目前我国农村金融体系存在的主要问题，并相应提出我国农村金融深化的一些政蓑、措施。     

互联网金融对银行信用卡业务的冲击和挑战

李克强总理在2014年政府工作报告中指出：“促进互联网金融健康发展,完善金融监管协调机制,密切监测跨境资本流动,守住不发生系统性和区域性金融风险的底线。”互联网金融的概念首次进入政府工作报告,一方面反映了互联网金融有着巨大的发展潜力;另一方面也反映出互联网金融对传统金融领域产生了巨大的震颤,已受到中央决策层高度重视。介绍互联网金融的内涵及特征,我国商业银行信用卡的发展历程和盈利模式,着重分析互联网金融对信用卡业务带来的冲击以及商业银行的应对策略。     

Remittances and rural credit markets: Evidence from Senegal

This study investigates the relationship between remittances and credit markets in Senegal, focusing on rural areas where financial constraints are more challenging. Using a household fixed effects model, the findings show that remittances and credit markets are complements; namely, the receipt of remittances is positively associated with the likelihood of having a loan in a household. This means that migrants can increase the reliability of their family members and close relatives back home through their remittances, insuring them vis‐à‐vis lenders for their credit contracts. They are the collateral or the “element of trust” in the credit contract between the borrower and the lender, representing a potential alternative in case of non‐repayment. This result is robust to alternative models and various robustness tests mitigating the potential endogeneity of remittances. A detailed analysis also shows that the relationship between remittances and credit markets is mainly driven by loans taken for consumption and food, in particular, as well as loans provided by informal institutions.     

Idiosyncratic risk and financial policy

In economies subject to uninsurable idiosyncratic risks, competitive equilibrium allocations are constrained inefficient: reallocations of assets support Pareto superior allocations. This is the case even if the asset market for the allocation of aggregate risks is complete.