中小金融机构风险形成的原因分析

内 容 摘 要

我国社会主义市场价经济的发展促进了金融经济的快速进步，并逐渐的发展成为社会主义经济中的重要组成部分，而国家政策对中小金融机构的大力扶持也极大的促进了中小金融机构的发展，为我国经济的发展增添了活力，其对经济建设的作用及为城乡居民提供的方便性都越来越反映出中小金融机构的重要性。但是，由于规模较小，中小金融机构也存在着一定的不足。本文通过对我国中小金融机构风险形成的原因进行分析，提出了相应的探讨策略。中小型金融机构在发展经济的过程中，有着大金融机构无法比拟的优势，同时也有着自身的发展弊端，由此影响了在经济运营过程中无法规避的经济风险，这对于中小金融机构的进一步发展有着较大的不利。因此，在未来的发展过程中，中小金融机构应当针对自身的经济发展情况，不断研究和分析，从中找出运营风险，并制定出应对策略，以保证经济运行的通畅性，并更好的服务于大众。本文研究仅仅是初步尝试，从理论体系、方法体系到应用实践，还有许多问题有待进一步研究。

 

[关键词]：金融机构；财务风险；成因；对策

目       录

1.绪论·····························································5

2.中小金融机构财务风险的形成原因···································5

2.1微观基础较为脆弱···············································5

2.2企业对金融机构的认知有偏差·····································5

2.3企业对制度基础设施投资不足·····································5

3.中小金融机构财务风险的现状及问题·································6

3.1宏观环境复杂多变···············································6

3.2财务人员缺乏管理意识··········································7

3.3 未建立健全的内部控制制度······································7

4.防范中小金融机构财务风险的相关措施·······························8

4.1运用有效手段降低风险法·········································8

4.2采用多元化方式分散机构财务风险·································8

4.3谨慎投资回避风险法············································8

4.4利用有效途径转移法·············································8

4.5加强企业团队的实力·············································9

5.结束语···························································9