地方金融风险的评价模型及其应用——以城市商业银行为例  

An Evaluation Model for Regional Financial Risks and its Application——The Case of Urban Commercial Banks

作　　者：李爱喜[1] 李甜甜[2] 

机构地区：[1]复旦大学理论经济学博士后流动站,上海200433 [2]浙江财经学院金融学院,浙江杭州310018

出　　处：《贵州财经学院学报》2010年第3期54-58,共5页Journal of Guizhou College of Finance and Economics

基　　金：教育部社科规划课题"基于农村信用社产权制度变迁的农户金融合作行为模式研究"阶段成果(项目编号:09YJA790178);浙江省社科规划长三角课题"长三角地区农村金融机构区域合作问题研究"阶段成果(项目编号:09HZCS042)

摘　　要：地方金融机构作为我国特殊类金融机构,在地方经济和社会发展中起着独特作用的同时,也是我国金融领域最容易引发不安定因素和滋生不良金融事件的一个群体。将这一群体所面临的金融风险定义为地方金融风险,并对其进行研究,通过设立指标体系并运用层次分析确定各指标的权重,从而构建地方金融风险的评价模型,据此对我国部分省(市)的地方金融风险做出量化评估和排序,可以较客观地评估该地区的地方金融风险状况。As a special kind of financial institution, regional financial institutions play a unique role in regional economic and social development, and are also a group in the financial sector which is mostly likely to trigger instability and cause adverse financial incidents. This paper defines financial risks confronting this group as regional financial risks and carries out a study. An evaluation model of regional financial risks is constructed by establishing an indicator system and setting weight to various indicators using the analytical hierarchy process （ AHP ）. Regional financial risks in some provinces and cities are evaluated and ranked quantitatively, assessing objectively financial risks in the region.

关 键 词：地方金融机构 地方金融风险 指标体系 风险评价模型 

分 类 号：F830[经济管理—金融学]