Research On Operating Risk Management Of Rural Financial Cooperatives Of Heilongjiang Province

Agriculture is the country’s national foundation, therefor "three rural" issue is of urgentproblems.The consolidation of agriculture, the foundation of rural economic development,and improvement the living standards of farmers are inseparable for financial support.Premier Wen Jiabao said:"Chinese big barn, please Heilongjiang". Because Heilongjiang isChina’s major agricultural province,"three rural" issue is more serious. Rural CooperativeFinance of Heilongjiang Province in rural financial markets is a main force, plays a major roleof economic developmen in Heilongjiang Province,but in constant reform and development,many problems, especially risk management issues hinder the development of ruralcooperative. In this paper, risk management of rural financial cooperatives operating modelmainly nalysis risk factors of rural credit cooperatives in the operating of the capital,as well asrisk assessment model framework.At last, the paper puts forward feasible suggestions andcountermeasures.This paper includes five parts.Firstly, summarized abroad and homeon Rural CooperativeFinancial Risk Management Research, the paper processes an objective assessment. Thesecond part is about the cooperative financial theory and related concepts, this part definesthe rural cooperative financial risk management concepts.On the basis of cooperative econmy,the principles of cooperative finance,and China’s rural cooperative financial background, thepart defines the rural cooperative financial risk management concepts though learning fromforeign cooperative financial typical mode of operation. The third part analysese risk issues ofHeilongjiang rural cooperative from both the external financial environment and internalmanagement. The fourth part builds the risk assessment model from the external financialenvironment and the internal management.The risk evaluation index system is set by AHPweights,using the each index gained score to calculate overall score.At last,the riskassessment model evaluate the risk of Heilongjiang Province Rural Credit Cooperative. Thefifth part proposes feasible suggestions about rural financial cooperativesd risk managementsituation of Heilongjiang Province.