爱心助学银行运行机理与风险研究——基于粤西地区的调查数据

Research on Operation Mechanism and Risk of Education Charity Bank——Based on the Survey Data from West Guangdong Province

爱心助学银行的运营以及后续发展主要是受到其自身的运行机理和风险研究的影响。前者影响银行的运行机制以及运营成效,而后者则是对银行所遇风险的一种监控以及应对风险发生时所采取的应对措施。本文对运行机理、风险识别以及风险应对措施进行研究,讨论其对爱心助学银行的运营及发展的影响。

Education Charity Bank operations and subsequent development are mainly affected by its opera-tion mechanism and the influence of risk research. The former influences bank operation mechanism and operating results, while the latter on monitoring of encountered bank risks and response measures taken when occurred. This paper researches the running mechanism, risk identification and risk response, and discusses its influence on edu-cation aid bank operations and its development.