农户小额信贷风险评价机制的建立——以福建省农村信用社为例  

The Establishment of the Mechanism of Peasant Household Micro Credit Risk Assessment:Taking the Rural Credit Cooperatives in Fujian Province as an Example

作　　者：黄茂海[1] 谢志忠[2] Huang Mao-hai XIE Zhi-zhong(College of Finance,Fujian Jiangxia University,Fuzhou,350108,China College of Economy,Fujian agriculture and Forest University,Fuzhou,350002,China)

机构地区：[1]福建江夏学院金融学院,福建福州350108 [2]福建农林大学经济学院,福建福州350002

出　　处：《福建江夏学院学报》2016年第6期43-51,59,共10页Journal of Fujian Jiangxia University

摘　　要：在经济下行的背景下,农村信用社小额分散贷款存在的风险不容忽视。以福建省农村信用社为例,计算农户小额贷款风险管理指标体系的权重并构建农户小额贷款的风险评价指标体系和评价模型。结果显示,模型基本上能反映出农户违约风险的真实情况,对评判农户的资信情况有一定的实际的指导意义,能够为银行等金融机构农户小额贷款的风险控制提供参考。In recent years,with the background of the economic downturn,there are risks in the rural credit cooperatives micro credit loan.This paper takes Fujian rural credit cooperatives as an example,starting from the risk of small loans to farmers,by calculating the weight of index system and construction of rural microfinance in the risk management,chosen to construct the rural microfinance based on AHP risk evaluation index system and evaluation model,construct a set of feasible rural microfinance the risk control mechanism,put forward the correct and effective rural microfinance risk control countermeasures and suggestions for the banks and other financial institutions.

关 键 词：小额信贷风险 层次分析法 风险控制机制 

分 类 号：F824.3[经济管理—财政学] F832.757