Growth Mechanism Of The Operating Efficiency Of The Micro-finance Institutions In Rural Areas

At present, the top priority of China’s economic and social development all around the problem of "agriculture, rural areas and farmers", and has always been concern of the government. Rural financial institutions for agriculture and rural economic development in the service sector, directly affect the level of agricultural and rural economic development. After reform, rural finance in China from the agricultural bank commercialization reform to establish agricultural development bank, until the bad assets stripping small financial institutions, is continuous in the government institutional restructuring and business restructuring is completed. However, poured money though agricultural bank will state enterprise reform, the credit risk is still plagued by the rural financial market, did not play a fundamental role. Fujian province rural areas small financial institutions, despite the increasingly perfect, but with the constant development, the deepening of the reform of financial system. Because in the aspect of risk control, rural small financial institutions such as funds peer gradually appeared many problems. So since not only limits the development of itself, may also weaken the rural small financial institutions in rural economic development. Therefore, face up to problems existing in the development of fujian province rural areas small financial institutions, based on the rural financial service system in fujian province as an example, based on the background of the urban and rural development as a whole, using expert evaluation method and analytic hierarchy process (ahp), the fujian province rural areas small financial institutions, risk control, empirical analysis and evaluation, trying to find a suitable for fujian road to sustainable development of rural small financial institutions, the rural economic and financial development in fujian province has very important practical significance.This article is divided into eight chapters of fujian province rural areas small financial institutions business risk profile are analyzed. Chapter 1:introduction, including the paper selected topic background and significance of topics, research status at home and abroad, and the existing problems at home and abroad, this article research background, research purpose and significance of thesis research ideas and research methods, research and innovation and the insufficiency, etc.; The second chapter of the national reform course and operation status quo of rural small financial institutions, the development of fujian province rural areas small financial institutions, overall risk management present situation and the province present situation analysis; The third chapter from rural small financial institutions operating risk definition and origin analysis, introduces the basic situation and features of fujian province rural areas small financial institutions, rural small financial institutions from the Angle of four business risk classification, and the detailed analysis;Fourth chapter from the principle of operation risk evaluation index system of building index system and index of construction should be considered, discussed the rural small financial institutions operating risk evaluation index system of building. Chapter v of village Banks in fujian province as an example, a random sample 100 in fujian province rural areas small financial institutions including village Banks and rural capital support, microf inance company, etc., and distribute to each big university professor of experts in the province 50 questionnaires, for rural small financial institutions operating risk evaluation method to carry on the design, operating risk and using ahp to determine the influence of all kinds of index weight; Sixth chapter for the construction of rural small financial institutions a comprehensive evaluation of the evaluation index system; Chapter 7 in the presence of questionnaire investigation and analysis, put forward promote rural small financial institutions operating risk control ability of optional path; Chapter vii conclusion, summed up in this paper, we study the conclusion and expounds the problems awaiting further exploration.By village Banks, for example, the fujian province rural areas small financial management risk analysis, the following conclusion:since its founding rural small finance in fujian province under the background of economic globalization and financial globalization, the management risk of the fujian province rural areas small financial institutions have considerable, mainly in the risk of safety risk, liquidity risk, profitability, etc. Three kinds of risks are more prominent. Aiming at this phenomenon, rural small financial institutions should in some way as far as possible to avoid the possible business risks, which may take measures include:perfecting internal management mechanism, strengthen financial institutions internal staff training, improve the internal control system, building a good risk management culture.