Research On Credit Risk Measurement Of W Rural Credit Union Based On Analytic Hierarchy Process

With the encouragement of the country’s opening to rural economy in recent years,rural financial market has gradually become a new highland occupied by banking financial institutions.As an important participant in rural financial market,rural credit union play an important role in serving local economic and social development.At the same time,due to many reasons of its system and mechanism,development orientation and service objects,it has formed problems such as imperfect system,non-standard management and low development quality.As a result,rural credit union lag far behind other large state-owned banks in risk management and become a high-risk area of concentrated risk exposure.The level of credit risk management mainly depends on the applicability of credit risk measurement methods.As county-level legal entity,rural credit cooperatives mainly face agricultural and rural organizations,which has certain particularity.Therefore,it is particularly important to develop a set of risk measurement methods suitable for rural credit union to improve their risk management level.This paper takes the credit risk measurement of W Rural Credit Union as the research object.By analyzing the reality and existing problems of the credit risk management of W Rural Credit Union,using analytic hierarchy process(AHP)and combining with experts’ scoring opinions,9 first-level indicators and 24 second-level indicators are selected.By creating the judgment matrix of each indicator,weight sorting and consistency test,etc.,The Small and medium-sized enterprises credit risk measurement and scoring template of W Rural Credit Union was re-established,and samples were tested,so as to evaluate the credit risks of small and medium-sized enterprises customers more accurately,objectively,scientifically and systematically.In order to ensure the correct and effective implementation and application of the credit risk measurement scoring template in W Rural Credit Union,this paper provides organizational guarantee by improving the organizational structure of credit risk management,strengthening the credit foundation management,strengthening the publicity of credit risk culture and strengthening supervision and management.This paper hopes to improve the credit risk measurement level of W Rural Credit Union,effectively prevent credit risks,and provide reference for Sichuan Rural Credit at the county level and other banks with common problems in the industry by optimizing its credit risk measurement method.