农村中小银行金融风险防控国际比较研究

International Comparative Study on Financial Risk Prevention and Control of Small and Medium-sized Rural Banks

我国中小银行数量众多,普遍规模较小,存在经营管理尚不完善、市场经验不足、风险防控能力弱等问题,重大案件时有发生。在国家推进农村金融改革“一省一策”背景下,本文重点关注农村中小银行金融风险防控问题,结合美国和韩国中小银行风险防控的具体实践,深度分析了当下农村中小银行风险防控存在的不足,并提出政策建议。

There are many small-medium banks in our country,and they are generally small in scale.There are some problems,such as imperfect operation and management,insufficient market experience,weak risk prevention and control ability,and major cases occur from time to time.Under the background of"one province,one policy"of rural financial reform promoted by China,this paper studies the financial risk prevention and control of small-medium banks,combines the specific practice of risk prevention and control of small-medium banks in the United States and South Korea,deeply analyzes the shortcomings of current risk prevention and control of small and medium-sized banks,and puts forward policy suggestions.