中小金融機構(gòu)簡述及其風險分析

一、中小金融機構(gòu)概述···············································2

     （一）中小金融機構(gòu)涵義········································2

     （二）中小金融機構(gòu)的主要特征··································2

     （三）我國中小金融機構(gòu)的發(fā)展歷程······························2

 二、中小金融機構(gòu)的主要風險內(nèi)型····································3

     （一）信用風險················································3

     （二）操作風險················································3

     （三）流動性風險··············································3

     （四）經(jīng)營風險················································3

     （五）支付風險················································3

 三、中小金融機構(gòu)風險形成原因······································4

     （一）自身弱勢················································4

     （二）市場準入把握不嚴········································4

     （三）自身發(fā)展戰(zhàn)略的清晰度不夠明確····························4

     （四）法人治理結(jié)構(gòu)不嚴密······································4

     （五）缺乏政策支持············································5

     （六）社會金融環(huán)境的影響······································5

 四、中小金融機構(gòu)風險解決對策······································5

     （一）制訂切合實際的前瞻性長期發(fā)展規(guī)劃························5

     （二）必要的政策扶持··········································5

     （三）提高自身的風險防控能力··································6

     （四）優(yōu)化信用化境············································6

     （五）分散處理不良資產(chǎn)········································6

 結(jié)語······························································6

 參考文獻··························································7

  中小金融機構(gòu)簡述及其風險分析

【摘要】：中小金融機構(gòu)是我國金融體系的重要組成部分，對國民經(jīng)濟發(fā)展起著獨特的支持和推動作用。中小金融機構(gòu)主要面向中小微企業(yè),在微觀層面盤活國民經(jīng)濟。與大型金融機構(gòu)相同，中小金融機構(gòu)也面臨著信用風險、操作風險、流動性風險、經(jīng)營風險、支付風險，但是由于中小金融機構(gòu)自身在業(yè)務(wù)能力，資金實力以及管理經(jīng)驗上存在先天不足，所以其風險形成的原因具有獨特屬性。本文從中小金融機構(gòu)所面臨的風險入手分析風險成因，并在此基礎(chǔ)上為中小金融機構(gòu)發(fā)展中的風險解決對策提出意見和建議。

【關(guān)鍵詞】：中小金融機構(gòu)；風險成因分析；解決對策