Shuangyashan Village Banks Risk Management Problems And Countermeasure Research

To change the outflow of funds in rural areas,rural financial institutions on the weak situation of rural banks emerged as a new rural financial organization mode however,for rural banks to set up a short time,small assets scale and influence degree of social recognition is not high factors,facing a shortage of funds,services lag,positioning,risk do not have a strong sense of the problems and difficulties,so the risk of a series of problems in the process of development,leading to the village bank there are security risks in the subsequent development,and because in recent years the market rate,deposit insurance system and bank bankruptcy system and other new regulations have been introduced,for rural banks how to keep operation,also can obtain larger development becomes an important issue today must be fully considered.In order to promote the long-term development of rural banks,this paper adopts the method of literature analysis,field research method,quantitative research and qualitative research methods,starting from the situation of Shuangyashan rural banks,summarizes the status quo of rural banks risk management,and analyzes the problems and causes of the credit risk,operational risk,liquidity risk,risk management,information technology risk management in Shuangyashan City,village banks,mainly on how to prevent and resolve risks,from how to strengthen credit risk prevention and control efforts,how to strengthen the operational risk management,how to improve the level of liquidity management,how to effectively resolve business risks,how to strengthen the information technology risk prevention awareness,how to improve the service of the real economy the ability to explore and research,which is a specialized for local farmers,agricultural finance The new financial institutions of service can optimize the allocation of resources,give full play to their own advantages in the simultaneous development with other banking financial institutions,improve their ability to resist risks and fulfill their social responsibilities.The countermeasure research on rural bank risk management in Shuangyashan city is based on the current risk issues more prominent in the hopethat through this study,promote Shuangyashan rural banks sustainable and steady development,and has a certain reference to the similar village bank management.