谈改革进程中欠发达地区农村信用合作社的风险管理

农村信用合作社在近几年的改革进程中,化解了大量不良资产,取得了不少的阶段性成果,同时由于欠发达地区特征与改革的不适应,使得这些地区的农村信用合作社面临着新型的流动性风险、操作风险等潜在风险压力.根据这些风险产生的新原因,积极调整农村信用合作社的风险管理手段,可以在很大程度上缓解欠发达地区农村信用合作社的风险压力.

Risk Management in Rural Credit Cooperatives in the Process of Reform

In the reforms of recent years, rural credit cooperatives have settled a great deal of bad assets and produced remarkable stage results. At the same time, because the characteristics of less developed areas do not fit in with the reforms, the cooperatives in the areas are confronted with new potential pressure like liquidity risk and operational risk. Positively readjusting the risk management methods in accordance with the new reasons for the risks can, to a great extent, alleviate the risk pressure on the cooperatives.