Research On Risk Evaluation Of Rural Credit Cooperative Information Technology Based On AHP-Entropy Weight Method In G Province

With the continuous improvement of my country’s national economic level,small and medium-sized commercial banks,especially regional banking organizations,have continued to grow and develop,becoming the main force to help local economic development and stabilize the financial market.However,with the continuous expansion of business and the increase of data volume,information technology has gradually become an important pillar to ensure the stable operation and development of banks,and information technology risk management has also become a comprehensive risk management system of banks;Existing related literature researches on information technology risk management mainly focus on large state-owned commercial banks,policy banks,and small and medium-sized city commercial banks.There is less research on provincial rural credit institutions with a secondary legal person mechanism.This thesis fully considers the provincial The characteristics and market positioning of rural credit cards at the provincial level,the research results obtained are more instructive for provincial rural credit institutions.This thesis mainly investigates the current situation of information technology risk management of rural credit in G province,analyzes the main factors affecting its information technology risk,and analyzes its causes.Then,according to the"Commercial Bank Information Technology Risk Management Guidelines"promulgated by the China Banking Regulatory Commission,the risk indicators of commercial bank information technology risk management are selected,mainly including:information technology governance,information technology risk,information security,information system development testing and maintenance,information technology operation,business continuity,information technology outsourcing,information technology internal and external audits,a total of eight firstlevel indicators.By evaluating the indicators,a total of 34 second-level indicators were obtained.By studying the current situation of information technology risk management,analyzing related indicators,and scoring the information technology risk indicators of Rural Credit Corporation in G Province by experts,The weight of each index is determined by using the AHP and the Entropy Weight Method respectively.At the same time,combined with the fuzzy comprehensive evaluation method,it is applied to the evaluation of the information technology risk level,so as to give an objective evaluation of the information technology risk of rural credit in G province.The empirical analysis results show that the evaluation of rural credit cooperative information technology risk in G province is "average",which is on the upper middle level.The efforts made by the information technology risk prevention and control system are affirmed,but there is still a large room for improvement,especially in information security management,information system development testing and maintenance,outsourcing management,independent development capabilities,and internal and external upgrades.According to the conclusions obtained from the empirical analysis,improvement suggestions and countermeasures are put forward for the risk points of Rural Credit I Cooperative nformation Technology in G Province,including but not limited to comprehensively improving the ability of information technology governance,focusing on improving the level of information technology management,and fully strengthening the ability of information technology security prevention,Focus on strengthening system development,testing and maintenance capabilities,fully improve information technology operation support capabilities,comprehensively enhance business continuity support capabilities,continue to improve outsourcing risk management capabilities,and continuously strengthen internal and external audit and supervision capabilities,thereby optimizing rural credit cooperative information technology risk management in G Province.