Risk Assessment Research On The Development Of Farmers Money Mutual Cooperation Organization In Our Country

The rural mutual cooperative funds has special status in the development of Chinese rural economic, it plays irreplaceable role in satisfying diversified rural funding needs, promoting rural consumption, investment and resolving the problem. However, as a emerging rural cooperative financial organization, rural mutual cooperative funds also faced a series of risks and problems, restricting its sustainable and healthy development.Moreover, uncertainty of its survival environment was deepened, and the issues of the organizational scale and members’ heterogeneity was highlighted, the rural mutual cooperative funds faced a wider range and continuously detailed risks, so it is very urgent to identify these key risks which make function of decision making and business performance for the effective implementation of the organize’risk management.In the aim of making an orderly development and guiding a credit and professional cooperation, the funds need to take the purpose as its topic research and make arrangement of risk management on the basis of risk identification.This topic studies the main content of the research based on the risk management theory, from the overall summary of developed countries experience, taking YanCheng, jiangsu province as an example, analyzing rural mutual cooperative funds’risk formation mechanism, building the scientific and effective risk evaluation model, which provides the reference specification for the rural mutual cooperative funds’sustainable development.Main methods involve in the study included:1. Questionnaire survey. Making a survery of the different types of the rural mutual cooperative funds through questionnaires, so as to obtain different identification variables of risks, quantitative analysis was carried on.2. Nalytic Hierarchy Process (AHP). The farmers financial mutuals questionnaire survey results analyzed, the selection of main index with analytic hierarchy process (AHP) and the determination of index weight.3. The Fuzzy Comprehensive Evaluation Method. By constructing the index system through AHP, using the fuzzy comprehensive evaluation method to analyze the rural mutual cooperative funds of a demonstration analysis in yancheng city. So it can make further risks’management and comprehensive evaluation of the rural mutual cooperative funds.Existing related research mainly focused on the evaluation of the pilot, the development of rural capital mutuals barriers, development countermeasure and development mode and management performance, etc..The innovation of this article is to build index system from the perspective of risk identification, the risks of capital in the process of the development, and through the fuzzy comprehensive evaluation method to evaluated a certain funds of empirical research, and provide the targeted suggestion.