基于县域金融风险的定量预测与控制问题研究

目前,我国县域金融机构的信贷风险管理实践中存在着信贷风险识别与评价手段落后、筛选机制不健全,对贷款风险五级分类的划分标准尚停留在定性分析的阶段,严重影响了县域金融信贷风险分类的准确性。以维护县域金融信贷安全运行为前提,在方法与对策上探讨县域金融机构信贷风险的防范、预警与化解机制,为五级分类的准确性提供一定的依据,为我国农信社信贷风险分类预警指标体系与分类模型的完善提供有益的借鉴和参考。

The Study of Quantitative Prediction and Control Based on Financial Risks of Country Towns

At present,there are many serious problems of credit risk management in most small country towns,for example,the methods of identifying financial risks are out of date,the screening system is defective,and the 5 level classification of loan risk is still measured qualitatively,all of the problems have badly influenced the accuracy of the financial risk classification.This article will study the how to alert,guard from,and deal with the risk management in most country towns based on the security of financial management,hence provide the standards for the 5 level financial risks classification,and contribute to the alert index of loan risk classification and the completion of disaggregated model for rural credit associations.