Research On The Evaluation Of Risk Control Level Of Village Banks

As we all know,banks is a special and high-risk enterprise,but banks still have many problems in financial risk prevention.As a new micro-financial institution,in the new economic normality and interest rate liberalization process,village banks face a more complex and changing economic environment.,because of their small size,fewer types of businesses,limited loan scope,and personnel quality is relatively low,and there are pressures such as increased storage pressure,increased credit difficulty,unbalanced supply and demand of credit funds,and difficulty in transformation and upgrading.How to measure the ability of village banks to control risk and improve risk prevention,it is worthy of our in-depth study to prevent various risks of rural banks due to their own nature and external influences.Based on the reading of a large amount of material,this paper sorts out the current risk control measures of village banks in China,analyzes and studies the risks faced by village banks,the control status,and the causes of problems.Finally,it is concluded that there is still a certain large defect of village banks in risk control.In this paper,based on the analytic hierarchy process,based on the target of village and town bank risk control,the indicator system for the village and town bank risk control capability measurement is determined,that is,credit risk control,operational risk control,market and liquidity risk control,and comprehensive risk control.First-level indicators,fifteen second-level indicators,and the weighting of each indicator was calculated using an expert scoring method.From the weights,it can be seen that credit risk is the focus of risk prevention for village and township banks and accounts for the risk control.39.36%.The fuzzy comprehensive method is selected to quantify the evaluation set.Then through an empirical case of XR Village Bank,the evaluation method was verified,and the expert scoring method was used to find that the overall risk control level of XR Village Bank was average,and there were great deficiencies in public awareness management awareness,industrial insurance system,and risk talent training.Finally,based on the evaluation results,suggestions were made to increase publicity,promote the establishment of a risk system,cultivate talents,improve the organizational structure,and improve reputation risk awareness.