我国农村信用社的经营风险防范

摘    要
农村信用社面临的多方面的风险，特别是经营风险。通过对经营风险理论分析，总结农村信用社经营过程中存在资本金不足，资产质量差，农村信用社从业人员素质低等问题，提立建立经营风险预警评价指标体系，完善外部环境，提高资产质量，完善治理结构，转换经营机制，改革内控制度，提高抗风险的能力，建立全国性农信社的存款保险基金制度和联行结算体系，提高监管和金融服务水平等一系列防范和化解的经营风险的对策措施。

关键词: 农村信用社；经营风险；防范
Abstract
Rural Credit Cooperatives facing various risks, particularly operation risk. Through the analysis of operation risk, sum up the shortage in the operating process of Rural Credit Cooperatives. Such as poor asset quality, low quality of rural credit cooperatives employees. Propose to establish early warning evaluation index system of operationa risk, to improve the external environment, the quality of assets And the mangement structure; to transform the operation mechanisms, reform the internal control system, improve the anti-risk capability, and to establish a national rural credit cooperatives with deposit insurance fund system and the bank settlement system. finally improve the level of a supervision and financial services, build a series of measures to prevent and resolve operation risk
.
Key words:   The Rural Credit Cooperatives ；Operation Risk； Prevention  Risk

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