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摘要
中国消费性经济的迅速崛起正引领消费金融业务步入发展快车道，伴随着
国家供给侧改革和消费升级的经济机遇，金融科技风起云涌，金融监管大大加
强。大田农村信用社地处山区县，消费金融业务主要面向农户，是大田支持本
县经济发展和开展农村消费金融业务的主力军。大田农村信用社消费金融业务
运行的健康与否关系到大田农村信用社发展、大田乡村振兴战略的实现和大田
经济的良性发展
当前，随着大田农村信用社消费金融业务的深入推进，其风险问题也日益
突显。如何运用科学管理方法防范业务风险，成为大田农村信用社亟待解决的
问题。本文围绕大田农村信用社消费金融业务风险与防范进行深入研究。首先
对消费金融业务风险防范做一般性分析，对消费金融业务的相关概念进行界定，
并介绍了金融风险类型、消费金融经营模式和金融业务风险防范理论。其次从
大田农村信用社消费金融业务与风险现状入手，着重分析了大田农村信用社消
费金融业务之“福民贷”、“福万通”贷记卡、手机农村信用社和微信农村信用
社等业务发展现状，分析了大田农村信用社消费金融业务风险特点，信用风险
不断上升、市场风险日益凸显和操作风险不容忽视的现状；还在此基础上分析
了大田农村信用社消费金融业务存在信用风险、市场风险和操作风险成因。最
后提出大田农村信用社消费金融业务风险防范策略。在策略中，不仅提出了在
全社会建立个人征信体系、构建良好的农村信用环境和构建信用是资源意识的
外部防范策略，还提出了防范大田农村信用社消费金融业务信用风险、市场风
险和操作风险的具体策略
本文研究，对大田农村信用社消费金融业务风险防范和提升大田农村信用
社整体业务水平和管理水平具有举足轻重的作用，对县域及县辖区信用社开展
消费金融业务风险防范具有重要参考和借鉴作用
关键词：农村信用社消费金融业务风险防范
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Abstract
The rapid rise of China's consumer economy is leading consumer finance
business into the fast lane. With the economic opportunities of the state supply side
reform and consumption upgrading, financial technology has surged and financial
supervision has been greatly strengthened. Datian rural credit cooperatives are located
in mountain and county, and the consumer finance business is mainly to farmers. It is
the main force to support the economic development of the county and to carry out
the rural consumption and financial services. The health of the operation of the
consumer finance business in Datian rural credit cooperatives is related to the
development of Datian rural credit cooperatives, the realization of the Revitalization
Strategy of Datian countryside and the benign development of the field economy.
At present, with the further development of the rural credit cooperatives'
consumer financial business, the risk problems are increasingly highlighted. How to
use scientific management methods to prevent business risks has become an urgent
problem for Datian rural credit cooperatives. This paper focuses on the risk and
prevention of consumer financial business in rural credit cooperatives. First, this
paper makes a general analysis on the risk prevention of consumer financial business,
defines the related concepts of consumer finance business, and introduces the types of
financial risk, the mode of consumer finance management and the risk prevention
theory of financial business. Secondly, starting with the consumer financial business
and the risk status of Datian rural credit cooperatives, this paper analyzes the current
situation of the business development of Fu Min loan, Fu Wan Tong credit card,
mobile phone rural credit cooperatives and WeChat rural credit cooperatives in Datian
rural credit cooperatives, and analyzes the risk of consumer finance in Datian rural
credit cooperatives. Characteristic, the credit risk is rising, the market risk is
increasingly prominent and the operation risk can not be ignored. On the basis of this,
it analyses the causes of credit risk, market risk and operation risk in the consumer
finance business of Datian rural credit cooperatives. Finally, the risk prevention
strategy of rural credit cooperatives' consumer financial business is put forward. In
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the strategy, we not only put forward the external strategy of establishing personal
credit system in the whole society, building a good rural credit environment and
building credit as a resource awareness, but also put forward some specific strategies
to prevent the credit risk, market risk and operational risk of the consumer financial
business in Datian rural credit cooperatives.
This study plays an important role in the risk prevention of the consumer
financial business in Datian rural credit cooperatives and the promotion of the overall
business level and management level of Datian rural credit cooperatives. It has an
important reference and reference for the risk prevention of the consumer financial
business in the county and county district credit cooperatives.
Keywords: Rural Credit Cooperatives Consumer finance businessRisk
To guard against。