村镇银行风险管理现状、问题与对策——以浙江长兴联合村镇银行为例

2006年底,中国银监会《关于调整放宽农村地区银行业金融机构准入政策更好支持社会主义新农村建设的若干意见》发布后,全国各地村镇银行相继开业运行。但是,村镇银行的风险管理还处于起步和探索阶段,存在不少深层次的困难和问题。因此,如何建立行之有效的风险管理体系,确保村镇银行稳健可持续发展显得尤为重要。笔者通过对浙江长兴联合村镇银行风险管理分析,对村镇银行的风险管理体系建设提出了建议。

Since China Banking Regulatory Commission released ＂Opinions on Adjusting and Relaxing the Access Policies for Banking Financial Institutions in Rural Areas and Better Supporting the Construction of New Socialist Countryside＂ at the end of 2006,a lot of village and township banks have been set up around China . However, their risk management is still weak and much has to be done with some deep-rooted problems. Hence, it＇s necessary and urgent to establish effective risk management system to ensure their sustainable developments. With the sample analyze of Zhejiang Changxing United Village and township Bank Co, Ltd, this paper offered some proposals on the construction of county banks＇ risk management system. 。