Risk Management Of Rural Credit Cooperatives

At the risk of rising situation, in the face of the new Basel Capital Accord implementation trend, mechanism of rural credit cooperatives should be how to build a comprehensive risk management system, is a major issue to consider seriously. The establishment of rural commercial bank is an important direction of property right system reform of rural credit cooperatives. Based on the analyzing the whole condition of the risk management of rural credit cooperatives, choose a more representative of the rural commercial banks as the research object, to the line of on-the-spot investigation, on the comprehensive risk management mechanism construction status, successful risk management, risk management problems and to strengthen the risk management measures have a deep understanding, to obtain a large number of first-hand data; in addition, on the field survey and literature review of the way the master relevant departments and units, such as the people's Bank of China, China Banking Regulatory Commission, the industrial and Commercial Bank of China, rural credit cooperatives provincial/county cooperative, part of rural commercial banks, urban commercial banks, part small and medium-sized joint-stock commercial bank of the relevant data; finally, through and induction summary in the conclusion of the study method of comparative analysis, and puts forward some countermeasures and suggestions to improve the risk management of rural credit cooperatives.This thesis consists of six chapters, the main contents of each chapter are as follows:The first chapter is the introduction, introduces the research background and significance, the research contents and methods, data sources, and the possible lack of innovation and existing.The second chapter is to summarize the basic concepts of risk management and document. Introduced the "new Basel Capital Accord", "internal control" and "comprehensive risk management" three concepts, as well as foreign risk management theory of the evolution and current situation of study in china.The third chapter examines the mechanism of rural credit cooperatives (including rural credit cooperatives, rural commercial banks, rural cooperative banks) status, risk management problems, and analyzes the causes of the problem.The fourth chapter introduces the practice of Z rural commercial bank risk management, including Z for the comprehensive risk management system construction, the effectiveness of risk management, risk management problems and cause analysis, adopt the measures to strengthen the risk management and risk management implications.The fifth chapter introduces the HSBC, Deutsche Bank and the industrial and Commercial Bank of China three banks risk management characteristic, proposed the bank advanced practice reference for risk management of commercial bank.Combined with the experience of three commercial banks risk management at home and abroad the sixth chapter puts forward the countermeasures and suggestions to improve the risk management of rural credit cooperatives.