Research On The Construction Of Credit Cooperation Risk Evaluation Index System Of Farmers Cooperatives

Since the Party of the third Plenary Session of the 18th clearly emphasized "allows farmers cooperatives to carry out credit cooperative",the Central Document No.1 in 2014 requirement on the basis of farmer cooperative development new type of rural cooperative financial organization,2015 and 2016 for two consecutive years of No.l files referred to the farmers cooperatives credit cooperation pilot work,from the sound development to expand the scope of the pilot.Under the encouragement and support of these policy documents,the credit cooperation of farmers cooperatives has developed rapidly, and has achieved remarkable success.But in the process of development has also inevitably exposed a lot of risk,such as illegal fund-raising mess.So the farmer cooperatives credit cooperation risk prevention and control is particularly important. By constructing farmer cooperatives credit cooperation risk evaluation index system,and then to measure risk,to improve the regulatory risk identification and monitoring ability and farmers cooperatives itself sustainable development has important practical significance.After reviewing the related literature at home and abroad, this paper found the breakthrough point of the research. And then summarizes the overall development of China’s farmers cooperatives credit cooperation current situation and the development status of some provinces and cities, collect credit cooperative typical risk events, analysis of farmers cooperatives credit cooperation risks and causes. On this basis, construct the hierarchical structure of the farmer cooperatives credit cooperation risk evaluation model, contains the credit cooperative compliance, liquidity, asset security, efficiency and management level of five primary indicators and specific 15 secondary indicators. Using the analytic hierarchy process (AHP) to get credit cooperation risk weights of evaluation indexes, and then gives the scoring rules of specific indicators and according to the comprehensive score to divide risk levels, thus to build a complete farmer cooperatives credit cooperative risk evaluation index system. Then choose a mutual aid society of Cangnan County as the evaluation object to practical application.Through the integration of data and the final weight results can be seen that the factors which influence farmers cooperatives credit cooperation risk evaluation, credit cooperation compliance indicators in the first place, directly affects the safe operation and conduct of farmer cooperatives credit cooperation. Followed by the assets safety index, which is directly related to the reliability of the credit cooperative loan funds, and it plays a key role in the risk assessment. Came in third place is liquidity, credit cooperation needs certain liquidity to cope with liquidity needs in the process of operation, lest produce run risks, and need to pay more attention. It is concluded that the criterion layer importance at the same time, it is for farmers cooperatives credit cooperation risk evaluation of deeper research.15 specific evaluation index of the top six:one is the business qualifications,the second is money management,third is membership management, four is the largest one loan ratio, five is cover ratio, six is operating means.Finally combining the results of the study, credit cooperative risk prevention countermeasures and suggestions are put forward from two aspects of external supervision and internal control:perfect laws and regulations, clear credit cooperative legal status; clear regulators, to carry out the supervision responsibility; strict entry mechanism, establish a demonstration rules, perfect the policies and measures, organize special inspection and supervision, proper publicity and guidance; strengthen the training education, improve the ability of risk management;carry out financial links, reference to financial institutions risk management method.