农村资金互助合作组织及其风险管理研究

Study on rural mutual financial cooperative organization and its risks management

中国农村资金互助合作组织成长历经坎坷,其发展中面临政策、管理和经营等各个方面的风险。风险识别与风险分析表明,农村资金互助合作组织的风险主要是流动性风险、自然市场风险和融资方式风险,资金短缺以及贷款过程中自然、市场等不确定因素成为农村资金互助合作组织主要障碍,也是风险控制的重点,必须从政府和农村资金互助合作组织自身两个层面制定相应的风险策略。

Rural mutual financial cooperative organization in China has grown up through bumpy due to various risks encounter during its development,such as policy,management and operational risks.Risk identification and analysis show that the main risks faced by rural mutual financial cooperative organization are liquidity risk,natural market risk and financing risk,which results in uncertainties such as capital shortage,nature and market during loan have been the main barrier and the emphasis of risk control simultaneously.In this case,it is advisable to formulate corresponding risk strategy from governmental level and rural mutual financial cooperative organization itself.