农村合作金融机构信贷风险内控体系评价研究

发布时间：2018-04-14 16:20

本文选题：农村合作金融机构 + 信贷风险　；参考：《中国农业大学学报》2016年08期

【摘要】：采用AHP和模糊综合评价法对陕西省农村合作金融机构信贷风险内控体系各要素的影响权重及其完善程度进行评价。结果显示:农村合作金融机构信贷风险内控体系最主要的影响因素依次为,公司治理结构,风险管理部门,信息管理水平,领导重视程度,员工素质以及风险责任等。现阶段陕西省农村合作金融机构信贷风险内控体系的完善程度为中等偏上水平,存在较大的提升空间。其中制度控制要素完善程度的评价最高,过程控制要素评价最低,说明陕西省农村合作金融机构信贷风险内控制度相对健全,而全程风险控制理念尚未良好地贯穿于陕西省农村合作金融机构的风险控制实践。
[Abstract]:In this paper, AHP and fuzzy comprehensive evaluation method are used to evaluate the influence weight and the degree of perfection of each element of credit risk control system of rural cooperative financial institutions in Shaanxi province.The results show that the main influencing factors of credit risk control system of rural cooperative financial institutions are corporate governance structure, risk management department, information management level, leadership attention level, employee quality and risk responsibility.At present, the perfection of credit risk control system of rural cooperative financial institutions in Shaanxi Province is of middle and upper level, and there is great room for improvement.Among them, the degree of perfection of institutional control elements is the highest, and the evaluation of process control elements is the lowest, which indicates that the credit risk internal control system of rural cooperative financial institutions in Shaanxi Province is relatively sound.However, the whole process risk control concept has not been well run through the practice of rural cooperative financial institutions in Shaanxi Province.
【作者单位】：西安石油大学经济管理学院;郑州大学商学院;西北农林科技大学经济管理学院;
【基金】：教育部2011年度长江学者和创新团队发展计划基金资助项目(IRT1176) 国家自然科学基金项目(71573210) 国家社会科学基金项目(14CJY041) 河南省教育厅科学技术研究重点项目(13B790369)
【分类号】：F832.4

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