中小金融机构简述及其风险分析

一、中小金融机构概述···············································2

     （一）中小金融机构涵义········································2

     （二）中小金融机构的主要特征··································2

     （三）我国中小金融机构的发展历程······························2

 二、中小金融机构的主要风险内型····································3

     （一）信用风险················································3

     （二）操作风险················································3

     （三）流动性风险··············································3

     （四）经营风险················································3

     （五）支付风险················································3

 三、中小金融机构风险形成原因······································4

     （一）自身弱势················································4

     （二）市场准入把握不严········································4

     （三）自身发展战略的清晰度不够明确····························4

     （四）法人治理结构不严密······································4

     （五）缺乏政策支持············································5

     （六）社会金融环境的影响······································5

 四、中小金融机构风险解决对策······································5

     （一）制订切合实际的前瞻性长期发展规划························5

     （二）必要的政策扶持··········································5

     （三）提高自身的风险防控能力··································6

     （四）优化信用化境············································6

     （五）分散处理不良资产········································6

 结语······························································6

 参考文献··························································7

  中小金融机构简述及其风险分析

【摘要】：中小金融机构是我国金融体系的重要组成部分，对国民经济发展起着独特的支持和推动作用。中小金融机构主要面向中小微企业,在微观层面盘活国民经济。与大型金融机构相同，中小金融机构也面临着信用风险、操作风险、流动性风险、经营风险、支付风险，但是由于中小金融机构自身在业务能力，资金实力以及管理经验上存在先天不足，所以其风险形成的原因具有独特属性。本文从中小金融机构所面临的风险入手分析风险成因，并在此基础上为中小金融机构发展中的风险解决对策提出意见和建议。

【关键词】：中小金融机构；风险成因分析；解决对策