Shanxi Rural Credit Union Operating Risk Management Evaluation

Abstract:Rural credit cooperatives are highly centralized enterprise management risk, operational risk management process throughout the rural credit cooperatives. Further development of the world face complex social, economic and financial situation, as well as the world’s financial integration, domestic financial institutions are increasingly affected by the international economic environment, more and more intense competition in the financial sector, financial turmoil intensified operational risks of financial institutions. Thus, rural credit cooperatives to strengthen operational risk management capability is very important and urgent.In this paper, Shanxi Province Rural Credit Cooperative empirical study to evaluate operational risk management capability as the main research questions, from financial institutions and other related business risk management theory, this paper to analyze. First, the review of existing risk management evaluation methods were analyzed and compared, combined with the principles of risk management evaluation method for screening to select and build the fuzzy comprehensive evaluation system of rural credit cooperatives operating in Shanxi risk management capabilities from the perspective of both the quality and effectiveness of the angle of perspective. Subsequently, according to the operating characteristics and risk management status of rural credit cooperatives in Shanxi, Shanxi Province Rural Credit Cooperatives business risk management capability factors, and rural credit cooperatives operating in Shanxi Province to evaluate the risk management capability is estimated based on the results summarized in rural Shanxi Province Credit risk management in operating the main problems exist. Finally, according to the Shanxi rural credit cooperatives operating risk management capability evaluation results, optimize the management idea, the implementation of people-oriented management philosophy.In this paper, the difficulties and possible innovations embodied in:the quality of our financial institutions from operational risk management capabilities and effectiveness of the two perspectives, exploratory build commercial banks risk management capability comprehensive evaluation index system, and rural credit cooperatives in Shanxi An Empirical Analysis of the object, of the fuzzy comprehensive evaluation of China’s financial institutions operational risk management capability theory.Thesis analyzes the financial institutions operating in the current economic environment, risk factors and effects of operational risk management capabilities in management, the establishment of rural credit cooperatives operating in Shanxi evaluation system risk management capabilities, specific calculations, based on the results of calculations made Shanxi rural credit cooperatives operating risk management capability comprehensive evaluation, and then analyze the problems, and to further explore the key factors associated with these, can effectively improve operational risk management capabilities, Shanxi ideas and measures to maintain and improve domestic financial institutions operating risk management capabilities to provide reference and basis for specifications and marketization strategy to promote the development of financial markets, optimize the structure of China’s financial industry.