Study On Risk Evaluation And Control Of The Rural Microfinance

Since the joint-stock reform of the Agricultural Bank of China, Agricultural Bank of China continue his mission and responsibility of service Agriculture and rural and farmers(three rural). In order to extend the coverage of financial services, to deal with the problem of the township farmers petty cash withdrawal, in recent years, the Agricultural Bank continued to improve their own risk management mechanism and strive to better make its own contribution to the "three rural" credit business in rural areas. But from ancient, the majority of farmers rely on agricultural production and living, just only to feed their families, there is no adequate amount of assets to be pledged to banks for loans, loans without collateral for banks, there is a certain degree of risk.The paper establishes the level of credit risk of farmers through analysing in Shaxian branches of Agricultural Bank whose health status, asset ownership situation, the level of income and expenditure, the level of credibility by adopting the combination of Analytic Hierarchy Process (ahp) and fuzzy comprehensive evaluation. Then based on the result of analyzing, proposing the corresponding countermeasures and suggestions to promote the overall improvement of the farmer credit risk control level.Firstly, through the introduction of the research background, we propose the research methods and the main research contents, clarify the significance of the study and the b asic idea of research.Secondly, introduce the theoretical basis for research, summarizing foreign experience enlightenment to the domestic, exploring the operating mechanism of Agricultural Bank of peasant household microfinance, and combining the influence factors of farmers small loans risk through theoretical analysis, finally find risk management problems of the peasant household microcredit of the Agricultural Bank.Thirdly, the paper builds up the Credit evaluation model, depending on the index syste m established by Analysing Hierarchy Process and weights of evaluation index which based on the experience of the man who familiar with the field of small loans to farm ers.Finally, according to the results of the theoretical analysis and empirical analysis, the paper puts forward the countermeasures and suggestions to prevent risk of small loans to farmers, which includes increasing farmers, awareness of credit, perfecting credit s ystem of farmers, building risk warning system, improving the security mechanism, st rengthening post-loan management, and so on.