目录
内容摘要.............................................................5关键词...............................................................5
一、中小金融机构概述..................................................6
中小金融机构涵义...............................................6
中小金融机构主要特征...........................................7
规模较小..........................................................7
分支机构小........................................................7
服务对象固定......................................................7
（三）中小金融机构在我国的发展.......................................7
二、中小金融机构主要风险类型..........................................8
（一）信用风险.......................................................8
（二）资产流动风险...................................................9（三）操作性风险......................................................9（四）经营性风险......................................................9（五）支付性风险......................................................9
三、中小金融机构风险形成原因分析.....................................10（一）自身弱势.......................................................10
1.信用基础薄弱......................................................10
2.整体资产规模小....................................................10
3.客户群体牵连影响..................................................10
（二）市场准入把握不严..............................................11
（三）市场定位偏离..................................................11
（四）法人治理结构不严密............................................11
（五）缺乏政策扶持..................................................12
（六）社会金融环境的影响...........................................12
四、中小金融机构风险解决对策.......................................12
（一）正确的市场定位...............................................13
（二）必要的政策扶持...............................................13
（三）强化内控管理.................................................14
（四）优化信用环境.................................................14（五）分散处理不良资产.............................................14
结语...............................................................15文献
