Our Country Rural Commercial Bank Microfinance Risk Control Study

"Microfinance" is a kind of small loans for short cycle which usually for those low-income people. The microfinance is a special way of financial which makes the rural poor as a target according to the circumstances of family structure, the main source of income, the credit repayment and so on. Rural commercial banks to provide micro-credit in rural areas is helpful for the development of the rural economy, the adjusting the industrial structure in rural areas and the rural poor become rich. However, in the process of Rural Commercial Bank providing micro-credit commercial, micro-credit experience of Rural Commercial Bank can be very risky because of bad credit environment in rural areas there, weak agricultural foundation, poor quality of farmers and small state support. Therefore, Rural Commercial Bank must be addressed micro-credit risk control in order to achieve rapid development in rural areas.In this article, we will use AHP to micro-credit risk control and using a combination of qualitative and quantitative methods to control the risk of micro-credit of Rural Commercial Bank. The main contents of this article is describing the research status and micro-credit and risk control theory and analyzing of current situation and risk of microfinance of Rural Commercial Bank. What is more, we use Fuzzy Evaluation of AHP to carry out on the credit rating of farmers and relating strategies proposed for the micro-credit risks of Rural Commercial Bank at last.