| In 2013, the China banking regulatory commission issued 《 The notice of key points in supervision of rural small and medium-sized financial institutions》to control the credit capital flows and prevent the risk occurrence in important areas. As a member of institutions to the activate the rural financial market, village banks target to serve“Agriculture, rural areas and farmer†and the emphasis of development lie in solving the existing insufficiency of rural credit capital, the lack of financial institution branches, the credit difficulties for farmers, etc.However, because of the small capital size, the particularity of service population and self-management problems, the credit risk in village banks is particularly prominent comparing with the large commercial banks.How to manage the credit risk has become an important content of comprehensive risk management in Hebei village bank.This paper adopts the theoretical analysis, AHP and fuzzy comprehensive evaluation method to illustrate and research credit risk management of Hebei village bank with five chapters. The first chapter mainly introduces the base theory related to credit risk, and respectively expounds the current research status of cause of credit risk, measurement method and risk precaution in banks at home and abroad. The second chapter first gives a brief description on current general situation of development and the credit risk management in village banks, then findout the existing problems in credit risk management from the bank’s internal mechanism and external environment. The third chapter analyzes two generations business model of Grameen bank and microfinance model of the people’s bank of Indonesia, and proposes attaching great importance to relationship financing model, flexible credit management system and incentive mechanism for grass-roots staff. The fourth chapter uses AHP and fuzzy comprehensive evaluation method, based on the investigation results of several Hebei village Banks, the bank self-mechanism, the farmers and the external environment as breakthrough points, gives a quantitative analysis on the factors which influence the credit risk management in village banks, and finally concludes that the banks themselves and the farmers factors are classified into high-risk category, while the external financial environment is into general category in the evaluation domain. Fifth chapter emphasizes that the improvement of credit risk management in Hebei village Banks should start with the bank’s internal control mechanism and the external environment, on the one hand, building efficient loan management mechanism and perfecting the credit rating method for peasant household,on the other hand, pushing construction of rural credit system,strengthening government support and accelerating the completion of the external supervision system and related laws and regulations. |
