欠发达地区高风险金融机构风险化解问题研究——基于A农商行的案例分析  

Research on Risk Resolution of High-Risk Institutions in Underdeveloped Areas:Case Analysis Based on A Rural Commercial Bank

作　　者：樊巾 安蕊霞 Fan Jin;An Ruixia(The People's Bank Of China Baiyin Central Sub-branch)

机构地区：[1]中国人民银行白银市中心支行

出　　处：《金融发展评论》2021年第3期43-51,共9页Financial Development Review

摘　　要：2016年以来,我国实体经济风险不断暴露并向金融领域传导,银行业法人机构风险化解成为防范化解重大金融风险的一项重要工作。其中农信合机构是欠发达地区高风险中小金融机构中占比最高的机构类型,甘肃省A农商行是其中的典型。分析A农商行的风险特征,探讨其风险化解路径具有一定的研究意义。本文运用案例分析方法,对A农商行成为高风险金融机构的路径、成因进行了深入分析,进而探讨了其退出高风险金融机构名单亟待解决的不良清收、公司治理、资本补充等深层次问题,在此基础上,探索提出了促进高风险金融机构风险化解的相关政策建议,为相关政策的制定提供支持借鉴。In recent years,the risks of rural commercial banks have continued to erupt.A rural commercial bank in Baiyin City,Gansu Province is a typical one.This article uses case analysis methods to conduct an in-depth analysis of the path and causes of its becoming a high-risk institution,and then discusses some of the deep-seated issues that need to be resolved urgently for its withdrawal from the list of high-risk institutions.On this basis,it proposes to promote the risk of high-risk institutions Relevant policy recommendations for resolution.

关 键 词：高风险金融机构 农商行 风险化解 

分 类 号：F272.3[经济管理—企业管理] F832.35[经济管理—国民经济]