The Study Of Risk Evaluation In Yunnan Province’s Village Banks

Recently,with the policies of national financial institutions to help support "precise poverty alleviation" issued,the important role of rural financial institutions for the rural poverty alleviation work is increasingly prominent.Yunnan province is located in remote provinces of southwest China,because the traffic is influenced by the mountains,and inadequate policy support,the urbanization process is slower in china,such as rural areas a greater range of regional economic and financial system,large and medium-sized enterprises too little number,rural industry is weak,more perfect rural financial system are needed to support the development of rural economy and small micro enterprise.Village Banks is a Policy Banks as a service to agriculture,rural areas and farmers,it is more appropriate than others’ rural financial institutions in remote rural poverty of demand,the development of village Banks to similar to remote provinces’ rural economy,such as Yunnan province,plays an important support role.Currently in Village Banks’ risk regulation,although our country promulgated Village Banking Regulation Rating Internal Guidance puts forward some important to guard against regulatory indicators for all kinds of risks of village bank,but there is no quantitative process,put forward specific regulatory standards and in the evaluation of village banks’ risk level in different provinces is difficult to quantify.Based on the characteristic of the rural economy development in Yunnan province,through the carding about village Banks risk research content at home and abroad,summarizes the remote southwest of province like Yunnan Village Banks the meaning and the importance of risk assessment.Based on the related concepts of village Banks and commercial Banks’ risk on the basis of relevant theories,this paper briefly introduces the present development of village Banks in Yunnan province and the problems we are facing,risk causes and villages in Yunnan province are discussed in detail the present situation of the bank’s risk factors.On the basis of the above analysis,refer to "guidance" file,according to the characteristics of village Banks in Yunnan province,the paper has carried on the qualitative and quantitative risk evaluation index selection.And use the ways such as investigation,expert consultation,using the method of fuzzy synthetic evaluation and analytic hierarchy process(ahp)construct the Yunnan village Banks risk measure index system.And taking Yunnan Zhaotong Zhaoyang village Banks as a case,to test the above model,finally,the risk management of village Banks currently in Yunnan province of concrete Suggestions are put forward.In this paper,the research achievements of facilitate Yunnan village Banks internal and external supervision department of the bank risk level,,a comprehensive evaluation and the aspect of improving the level of Yunnan’s village banks’ risk have a certain practical significance.