I农村信用社财务风险预警系统研究摘要随着金融体制改革的深化，近年来，农村信用社（以下简称农信社）业务的快速发展，伴随着财务风险，财务风险，财务风险，风险，也成为合作金融业乃至整个银行业需要思考和认真的第一个问题的平静1。农村信用合作社财务管理是金融企业在农村信用社信用活动的策划，组织活动的资本和金融账户的总称，调控随着农村金融体制改革的深化，农村信用社已逐渐转变为一个县级公司为主体，自我管理，自我发展，自我风险，自我约束的社区金融企业，面对市场的独立2。同时，随着中国银行业的全面开放，也意味着银行将引入国际竞争。面对如此严峻的形势，农村信用社应实现对现代金融企业的转变，就必须进一步完善和强化内部管理。但实际情况在中国农村信用合作社财务管理，财务管理没有管理中发挥重要作用。如何科学地使用财务管理手段，已成为现代金融企业提高必不可少的重要内容，管理水平。关键词：农村信用社、财务风险、财务预警字数已加12IIAbstractWiththedeepeningofthereformofthefinancialsystem,intheseyears,ruralcreditcooperatives(hereinafterreferredtoasNongxinshe)therapiddevelopmentofthebusiness,accompaniedbyfinancialrisk,accountingrisk,accountingrisk,therisk,alsobecomethecooperativefinancialindustryandeventhewholebankingsectorneedtocalmthinkingandseriouslythefirstproblem.Financialmanagementofruralcreditcooperativesisthegeneralnameofcreditactivitiesofruralcreditcooperativesinthefinancialenterprisestothecapitalandfinancialaccountsoftheactivitiesofplanning,organization,regulationandcontrol.Withthedeepeningofthereformofruralfinancialsystem,ruralcreditcooperativeshasbeengraduallytransformedintoacounty-levelCorporationasthemainbody,selfmanagement,selfdevelopment,selfrisk,self-restraintofthecommunityfinancialenterprises,tofacethemarketindependently.Atthesametime,alongwiththefullopeningofChina'sbankingindustry,alsomeansthatthebankswillintroducetheinternationalcompetition.Facedwithsuchagrimsituation,theruralcreditcooperativesshouldrealizethetransitiontoamodernfinancialenterprise,itisnecessarytofurtherimproveandstrengtheninternalmanagement.ButtheactualsituationoffinancialmanagementofruralcreditcooperativesinChina,thefinancialmanagementdidnotplayitsimportantroleinthemanagementof.HowtousescientificmeansoffinancialIIImanagement,hasbecomeamodernfinancialenterprisetoimprovethemanagementleveloftheimportantcontentofessential.Keywords:ruralcreditcooperatives,financialrisk,目录1前言..................................................................................................................III2财务风险预警的相关理论..............................................................................IV2.1财务风险预警的相关概念....................................................................IV2.1.1财务风险的界定..........................................................................IV2.1.2财务风险预警的概念...................................................................V2.2农村信用社信用社财务风险的成因..................................................VII3我国农村信用社财务风险预警体系的构成及存在的问题.......................VIII3.1我国农村信用社财务风险预警体系的构成（已修改）.................VIII3.2我国农村信用社财务风险预警体系存在的问题................................IX3.2.1农村信用社财务管理的微观环境复杂多变..............................IX3.2.2农村信用社财务管理人员对财务风险的客观性认识不足.......X4完善农村信用社财务预警系统的措施...........................................................X4.1全面把握农村信用社财务预警系...
