Research On Risk Management Of Technological Innovation In Rural Credit Cooperatives Of SC Province

In 2016,artificial intelligence ushered in a historic qualitative change.Nowadays,promoting the deep integration of artificial intelligence and the real economy has become a clear development direction of the government.Among them,the financial industry is an important field of artificial intelligence application.In this context,domestic Internet companies,traditional financial institutions,or choose independent innovation,or choose cross-border cooperation,fully entered the era of artificial intelligence + finance.Although artificial intelligence technology is relatively mature and its venture capital is rising,artificial intelligence technology innovation,like other high-tech innovation activities,is still accompanied by innovation risks.How to deal with the risk of technological innovation and improve the ability of innovation and development of enterprises has become a key issue for the development of enterprises.This paper takes SC Provincial Rural Credit Cooperatives as the research object,and combines the external environment of national policy,economic situation,market environment and intellectual property,as well as the actual status of technological innovation of rural credit cooperatives in SC Province,through the theory of technological innovation at home and abroad.The application of the theory related to risk management completes the risk identification,assessment and response of the technological innovation projects of the rural credit cooperatives.The innovative project for this assessment was undertaken by the Information Technology Center of the provincial association.The project content is a dynamic risk control model that uses artificial intelligence technology to develop and apply personal credit.First of all,this paper uses Delphi method to screen the mature technology innovation risk factor index system of the predecessors,and obtain the risk factor indicators that meet the technical innovation risk assessment.Secondly,using the analytic hierarchy process,the hierarchical structure of risk factors is established,and the importance of each risk factor is obtained through the judgment matrix,and the weight calculation of each index is completed.Thirdly,the fuzzy comprehensive evaluation method is used to carry out risk assessment in technological innovation activities,and the comprehensive risk level assessment of the first-level indicators and the second-level indicators is completed.Finally,the risk management theory is adopted to match the general risk response measures for the risk indicators with lower risk assessment level;the corresponding risk assessment,risk reduction,risk sharing and risk are matched for the indicators with relatively high risk assessment level.Accept the strategy.Through the research of this paper,combined with the experience of predecessors,this paper constructs a technology innovation risk assessment model for the technological innovation of rural credit cooperatives in SC province,and matches the countermeasures with certain reference opinions for various risks.It provides a certain reference for the risk management of similar technological innovation activities in traditional financial institutions.