商业经济
商業經濟
상업경제
BUSINESS ECONOMY
2014年
9期
14-16
,共3页
邱玉兴%解玮%仇红露%孟芳%乔宏
邱玉興%解瑋%仇紅露%孟芳%喬宏
구옥흥%해위%구홍로%맹방%교굉
农村信用社%风险预警%模型构建
農村信用社%風險預警%模型構建
농촌신용사%풍험예경%모형구건
rural credit cooperatives%risk warning%model building
当前,农村信用社面临的风险包括:信用风险、市场风险、操作风险以及改革、决策、制度和资本流失等特殊风险。从宏观、微观两个方面构建由6个二级指标31个三级指标的农村信用社风险预警指标体系,采用AHP赋权法对农村信用社风险状况进行综合评价,可为我国农村信用社全面评估当前所面临的风险状况提供决策依据。
噹前,農村信用社麵臨的風險包括:信用風險、市場風險、操作風險以及改革、決策、製度和資本流失等特殊風險。從宏觀、微觀兩箇方麵構建由6箇二級指標31箇三級指標的農村信用社風險預警指標體繫,採用AHP賦權法對農村信用社風險狀況進行綜閤評價,可為我國農村信用社全麵評估噹前所麵臨的風險狀況提供決策依據。
당전,농촌신용사면림적풍험포괄:신용풍험、시장풍험、조작풍험이급개혁、결책、제도화자본류실등특수풍험。종굉관、미관량개방면구건유6개이급지표31개삼급지표적농촌신용사풍험예경지표체계,채용AHP부권법대농촌신용사풍험상황진행종합평개,가위아국농촌신용사전면평고당전소면림적풍험상황제공결책의거。
The risks of rural credit cooperatives include credit risk, market risk, operational risk and special risk in terms of reform, deci-sion-making, institution and capital loss. The risk warning indicator system of rural credit cooperatives with 6 second class indicators and 31 third class indicators will be established from macro and micro aspects, and make comprehensive evaluation by means of AHP weight-ing method, so that provide decision basis for the current risk situation.