Research On The New Rural Financial Institutions On The View Of Fragilty

With China's economic ascent, development of rural economy in China is the inevitable requirement of development of our country, but the approach to the city center for a long time,which seriously restrict the development of rural economy, has been, backward rural economic development, farmer income is not high, the rural financial reform is a necessary requirement to improve rural economic situation. From the beginning of 2006, the CBRC released the establishment of rural financial institutions in rural areas access conditions, issued the "opinions on adjusting and relaxing the banking financial institutions in rural areas better access to policy support to the construction of new socialist countryside"(opinion), at this point,as the new rural financial institutions to meet the rural capital demand in countries emerge as the times require policy support.Rural micro financial institutions to carry out the business, to a large extent alleviated the rural loan limit, loan and other difficult issues, but also to better serve the "three rural" play a positive role.However in the practice of the course of a few years, the new type of rural financial institutions across the country in the process of operation also show a lot of problems, which are faced with various risks, such as the operator of the risk in the process of management and lack of understanding,there is no effective risk prevention mechanism,business skilled staff in rural areas, the actual situation does not understand, can not be the system to provide services, which make the new rural financial institutions in the operation and development process of a huge latent risk and uncertainty which is decided by the new type of rural financial institutions uncertainty. Therefore, in order to make the new rural financial institutions to achieve sustainable development, should establish the vulnerability of new rural financial institutions a set of scientific evaluation system, so as to put forward effective measures to prevent and dissolve the risk vulnerability.This paper mainly to the vulnerability of new rural financial institutions in China as the research object, first with the basis of the theory of financial fragility, cause financial fragility resulting research, analyses the causes of China's new rural financial institutions heightened vulnerability,based on a large amount of literature,the main risks of new-type rural financial institutions in China and its characteristics in detail; in order to more accurate, comprehensive,scientific performance,this paper uses AHP and expert scoring method,the influence factors of new rural financial institutions of the vulnerability of sorting and ranking,establish evaluation index system,the new rural financial institutions through the analysis, finally, combined with the actual situation of the new rural financial institutions in China, and learn from the successful experience of domestic and foreign experts and scholars, puts forward the preventive suggestions.