Jilin Province Village Banks Risk Prevention And Measures

In the field of China’s economic development needs financial support,and rural financial sector as a ring of China’s financial industry is weak,the China banking regulatory commission in recent years introduced relevant policies to encourage the new type of rural financial institutions to support rural economic and financial development,including: village Banks and loan companies and rural capital support,the new type of rural financial institutions,etc.,with significant reforms on the increment.Village Banks since 2007,has been booming development,but financial institutions such as Banks,in the pursuit of profit maximization goal,as is the risk of increased;Plus village Banks as emerging,people don’t know much of them,although the deposit rate is high,but people think that money to other financial institutions is more reliable.Even if deposit may due out at once,the weaker investment mentality.And farmers credit degree is not high,although the five group,exhausting is fast,but there is still some farmers are not timely return loan,worrying the liquidity and credit.Since the ancient times is agricultural big province,Jilin province in mobilize all social forces to construction of village Banks,the existence of the risk cannot be ignored.As of the end of February 2017,Jilin province rural Banks for 61,is the preparation of the four,has been basically achieved the whole pattern of the whole province county,Jilin province rural Banks with their unique advantages-high interest rates on deposits,loans quick play an important role in the rural areas,making outstanding contributions for Jilin province rural financial.In this paper,using the Delphi method,according to the Jilin province rural financial experts and village Banks from personnel of course of study the influence factors of Jilin province rural banking risk,by constructing the model of analytic hierarchy process(AHP),the relative importance of risk analysis,risk factors for sorting the indicator layer,and finally puts forward the opinion of the risk prevention.This paper is divided into six parts: the first chapter,the selected topic background and significance;The research situation of village Banks risk at home and abroad;The research content and methods,the structure of the thesis,the innovation points.The second chapter,the theoretical basis of village and town bank risk prevention.Jilin province in the third chapter,the current situation of the development of village Banks and the risks.The fourth chapter,using the analytic hierarchy process(AHP)to the analysis through the Delphi method for the 13 main indicators for qualitative and quantitative risk assessment,and carries on the overall order.Amongthem,the cash ratio and non-performing loan ratio,cover ratio,short-term liquidity ratios,corporate governance structure in the first five respectively.Visible,liquidity risk is the largest,the second is the third is operation risk,credit risk finally is market risk.The fifth chapter,according to the data obtained from the above analysis of Jilin rural Banks risk causes.The sixth chapter,through the above analysis,put forward the corresponding countermeasures and Suggestions for each risk,hope for the sustainable development of village Banks in Jilin province have certain reference significance.