宁夏小额信贷农户信用风险评价与风险管理研究  

Research on Risk Control and Evaluation of Farmer Household Micro-credit in Ningxia

作　　者：高坚 王宁兰[2] 

机构地区：[1]宁夏农业勘查设计院,宁夏银川750002 [2]宁夏农牧厅农业国际合作项目管理中心,宁夏银川750001

出　　处：《宁夏农林科技》2012年第5期78-80,共3页Journal of Ningxia Agriculture and Forestry Science and Technology

基　　金：宁夏科技厅科技攻关计划软科学项目(kgx-170219)

摘　　要：小额信贷自20世纪90年代初期引入到我国后,在解决贫困农户融资方面发挥了积极作用。但随着小额信贷业务不断拓展,资金量逐渐增多,信贷风险也随之加大。世界银行对全球银行业危机的研究表明,导致银行和信贷机构破产最常见的原因就是信用风险。利用层次分析法从贷款农户角度对宁夏小额信贷信用风险进行综合评估研究,根据相关资料构建多层次模糊综合评价模型,通过数学统计方法得到信用风险综合评价结果。Since the micro-credit model was introduced in China in the early 90＇s, it has played an important role in solving the problem of the shortage of rural financial resources and the loan for poor farmers. However, with the development of the micro-credit in China, the credit funds and the scale are increasing gradually, and the risk of micro-credit was increasing. The research on the global banking crisis by the world bank illustrated that credit risks has been the most common reason for bankruptcy of the financial institutions. It is obvious that credit risks control and objective evaluation is very important for farmer household. In this study, the fuzzy AHP index system is established based on the credit risks evaluation and ap- praisal for farmer households who get loan from the banks in Ningxia, and the results of comprehensive evaluation for credit risks will be obtained by this methods.

关 键 词：小额信贷 模糊综合评价 风险管理 

分 类 号：F830.58[经济管理—金融学]