A Comparative Study Of The Benefits And Risks Of"the Bank And Credit Cooperative" Financial Products

With the deepening of economic globalization,China's social development speed has been significantly improved,people's income level is also increasing.The rising of disposable capital makes people's demand for investment and financial management more intense.Under this background,China's financial industry has been developing rapidly,the major banks have begun to attach importance to the expansion of business area,among which the professional financial service is one of the core projects of bank's key construction.Financial services have a very large potential for development,which is considered to be the pillar business in the future of the financial industry.As a result,the financial business has become the main evaluation index of the core competitiveness of banks,and the ability of financial services construction and development also determines the growth of profit level to a great extent.From the current situation of the financial service product,we can see that the financial service in our country is still in the initial stage,and there is a relatively large gap from the international financial industry.The financial market of our country is not mature,the relevant policy and law is still not perfect,and the risk is relatively high,which makes it difficult to meet people's growing financial needs.It is urgent to upgrade and improve the existing financial products.The Bank and Credit cooperative financial product is a new financial product that has been widely concerned in recent years.It plays an important role in the financial market,and has good prospects for development.But on the other hand,there are still some problems in the Bank and Credit cooperative financial product.Banks in our country need to make real time adjustments in combination with market development and policy regulations to ensure the sustainable development of financial services.This article takes the Bank and Credit cooperative financial product as the research object,based on summarizing the basic theory of the Bank and Credit cooperative financial product,this paper establishes a logistic regression analysis model to evaluate the influence of various factors on the rate of financial products,and the validity of the model is verified by the goodness of fit test,the F test and the t test,for the elements that have not passed the test,the final logical regression model is obtained by the way of twice fitting after elimination.According to the type of risk faced by the Bank and Credit cooperative financial product,this paper adopts AHP-fuzzy comprehensive evaluation method to evaluate the risk.First of all,through the analytic hierarchy process,the index and corresponding weight of evaluating the risk of the Bank and Credit cooperative financial product are determined,and then through the fuzzy comprehensive evaluation method to make sure the risk level of each index,at last the two results are combined to determine the risk rating of products.And choose three kinds of different types of the Bank and Credit cooperative financial products to carry on the risk comparison analysis,sum up the similarities and differences,then give the countermeasures to prevent the risk.