Based On AHP Analysis About Problems Of Village Banks In Heilongjiang Province

On Oct.29, 2015, the 5th Plenty Session of the 18 th CPC Central Committee passed “Suggestions of the Central Committee of CPC of the 13th—Five Year plan on national economy and domestic development”. The central economic meeting implemented recently would put forward the 13 th five year plan as the important point, make major arrangements on creative financial mode, improve financial service real economy efficiency and p revent financial risks. In the face of complicated international and domestic economic and financial situation and task of reform and development, we need to review over our country banking industry’s main achievements and experience of the past five years seriously, analyze the big opportunities and changelings we are facing, clear the development directions and goals of the next five years, make good article and innings for the innovation and development and efficiency of China’s banking.China’s village banks have never stopped the pace of reform, especially the village banks in Heilongjiang province. Research on the development of village banks had two shortcomings: one was that foreign scholars studied on community banking management model mainly for developed countries, the effective management mode couldn’t apply to our country’s village banks, the other one was the existing literatures focused on countermeasures and suggestions about village banks. Fewer people studied on operating mode selection about village banks. So this essay took village banks as the research objects. This essay firstly introduced the concept and characteristics of village banks. Village bank was a new type of rural financial institution that had small business scale, more rapid business decisions and loan funds focused in rural areas, agricultural credit subsidies theory, rural financial market theory and imperfect competition in rural finance theory as the theoretical basis of this study. Secondly, through analyzing the influence factors of village banks in Heilongjiang province, this essay selected 4 first level indicators and 12 secondary indicators, and used the analytic hierarchy process to construct the index system, t ook consistency inspection and comprehensive weighted ranking, and comparison analysis to our country, comparing the typical village banks for Heilongjiang province to provide experiences. Finally, combined with the result of empirical analysis, it concluded that loan was particularly important for development of village banks operating in Heilongjiang province, based on this, this paper proposed village banks in Heilongjiang province need to clear value proposition, rich variety, innovative mortgage credit products, focusing on the network construction, to stren gthen the construction of financial environment five aspects to improve, to be able to achieve the goals of sustainable development.