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近年来,随着金融的全球化趋势及金融市场的波动性加剧,农信社的风险管理一直是国际国内金融界关注的焦点。与传统风险管理主要依赖定性分析不同,现代风险管理越来越重视定量分析,大量运用数理统计模型来识别、衡量和监测风险,使得风险管理越来越多地体现出客观性和科学性的特征。本文介绍了传统信贷风险的测度方法,分析了国外信贷风险度量新方法,结合我国的实际情况,提出我国农信社科学测度信贷风险的现实选择,构建适合我国经济和金融环境的农信社信贷风险管理系统。
In recent years, with the globalization of finance and the aggravation of the volatility of financial markets, RCCs’ risk management has been the focus of attention both at home and abroad. Unlike traditional risk management, which relies mainly on qualitative analysis, modern risk management places more and more emphasis on quantitative analysis, making extensive use of mathematical statistics to identify, measure and monitor risks, so that risk management increasingly reflects the characteristics of objectivity and scientificity . This paper introduces the measurement method of traditional credit risk, analyzes the new method of credit risk measurement in foreign countries, and puts forward the realistic choice of our country’s rural credit cooperatives scientifically to measure the credit risk according to the actual situation in our country, and builds the credit of rural credit cooperatives suitable for the economic and financial environment of our country Risk Management System.