Study On Risk Evaluation And Control Of The Rural Microfinance Based On The ZB Branch Of Agricultural Bank

As a large state-owned commercial bank, the Agricultural Bank of China(referred to as“ABC” in the following) continue his mission and responsibility of service Agriculture and rural and farmers(three rural), since the joint-stock reform of the ABC in 2007. In recent years, the ABC in the field of support for agriculture and farmers actively introduced various policies and measures, a variety of products innovation, including the most successful corresponding card, farmer’s small loans etc was carried on, these have made an important contribution to solve the problem of "agriculture, rural areas and farmers". Because of the natural endowment of agriculture, countryside and farmers, the ABC in the field of the rural microfinance has been facing the problem of high loan risk, unable to work better and deeper on financial support.Through the analysis of current rural microfinance of the ZB Branch of ABC, the author understands the local defective rate is on the rise in recent years, the loan risk prevention and control work is imminent. The rural microfinance faces natural risk, market risk, moral risk and operational risk and so on, and the risk evaluation indexes of the bank are still so simple that they are unable to meet the needs of risk control. Therefore, this article embarks from the ZB Branch of ABC, hoping to view and build a set of suitable for the ABC of index system for risk evaluation on rural microfinance. The system excludes the operational risk,only considering the aspects of farmers. The index system is divided into "external factors" and "internal factors" two secondary indexes, " external factors" including "natural environment factors" and "market environment factor" two level 3 indexes; Internal factors including "personal basic situation", "personal moral standards", "family property", "family income level" and "loan" five tertiary indexes. The above seven tertiary indicators are divided into twenty-eight level 4 indicators, that directly affecting the risk of rural microfinance such as "agricultural production and operation cycle". By using the AHP method to construct judgment matrix and determining the weight of each indicator, and using the fuzzy evaluation method to carry on the inspection and empirical study on the systerm, the article establishes a loan risk evaluation system model suitable for rural microfinance of the ZB Branch of ABC. Finally, according to the risk evaluation index,the artical accordingly puts forward some risk prevention and control countermeasures and Suggestions, providing certain reference for improving the bank risk prevention and control ability in the field of rural microfinance.