钱荒现象与农村合作银行信贷运行的风险控制  

Risk Control of Rural Cooperative Bank Credit Operation of Money Shortage Situation

作　　者：张毅 

机构地区：[1]浙江上虞农村合作银行,浙江上虞312300

出　　处：《金融教育研究》2013年第6期27-29,33,共4页Research of Finance and Education

摘　　要：2013年6月以来,全国商业银行流动性风险加剧,"钱荒"现象席卷全国。各银行间的传统业务竞争更趋激烈,揽存抢钱苗头显现。本轮"钱荒"是多重因素相互作用、效力叠加的结果。钱荒折射出金融的异化。农合行要强化自身抵御各种风险的能力,从强化流动性风险管控、合理配比资产负债结构、强化信贷结构调整,加强票据业务自查、区别对待新进客户授信四个方面入手,做好信贷运行风险控制,确保信贷资产的安全。Since June 2013 ,the phenomenon of money shortage is across the country. This paper analyses the reason of money shortage, upon which it explores the rural cooperative bank as a local economic mainstay for money shortage situation, strengthening liquidity risk management, a reasonable proportion of assets and liabilities struc- ture, credit structure adjustment,bills＇ business self- examination, differentiated credit new customers in four as- peers, good credit risk control. The paper puts forward countermeasures and suggestions.

关 键 词：钱荒 货币供应量 金融异化 风险控制 信贷资产 

分 类 号：F830.58[经济管理—金融学]