中小金融机构风险形成的原因分析

内容提要····························································2

一、中小金融机构概述················································3

（一）中小金融机构的基本概念········································3

（二）中小金融机构的重要性··········································3

（三）中小金融机构在我国的发展现状··································4

二、中小金融机构风险形成的原因······································5

（一）中小金融机构的主要风险类型····································5

（二）中小金融机构风险形成的原因····································6

三、中小金融机构风险应对策略········································9

结束语·····························································12

致谢·······························································13

参考文献···························································14

内 容 摘 要

中小金融机构作为主营集体经济和个体私营经济的银行业务的经济单位，是我国金融体系的重要组成部分，对我国国民经济的发展骑着独特的支持和推动作用。随着我国商业银行股份制的改革和市场经济发展的逐日完善，使得我国中小金融机构进入高速发展期，无论是资金规模，还是数量，都有了巨大的发展。然而，面临复杂的发展环境，以及巨大的竞争压力，加之目前对其监管的法律体系仍然不健全，不完善，我国的中小金融机构仍然面临着各种困难与挑战。本文在明确其概念及特征的基础上，对其发展中面临的风险进行了分析，并对风险形成的原因进行了研究，并提出一些行之有效的应对策略，从而实现中小金融机构健康、持续的发展。

关键词：中小金融机构；风险形成原因；应多策略