Research On Risk Evaluation Of Rural Cooperative Financial Institutions Of Heilongjiang Province

Rural cooperative financial institutions are an important part of China's banking system and the main force of rural finance.They have an irreplaceable role in supporting and promoting rural economic development,especially in serving the "three rural" and serving small and micro enterprises.Rural cooperative financial institutions mainly include rural commercial banks,rural cooperative banks,and rural credit cooperatives.These institutions are generally independent legal person institutions located in county areas.They are small in size and have incomplete risk management and control systems.Their risks are significantly higher than General commercial banks such as large state-owned banks,joint-stock banks and city commercial banks.Therefore,it is particularly important to make accurate risk assessments for rural cooperative financial institutions and to put forward measures to prevent and resolve the risks.In particular,the prevention and resolution of major risks is currently at the forefront of the three major battles,Studying the risk assessment of rural cooperative financial institutions is of great significance to the sustainable development of rural cooperative finance and the promotion of overall risk resolution.This paper draws on the relevant research results at home and abroad,taking 80 rural cooperative financial institutions in Heilongjiang Province(48 rural commercial banks,32 rural credit cooperatives,and no rural cooperative finance)as the research objects,analyzes the evaluation index system constructed by relevant scholars,and draws on The financial risk measurement indicators of the banking supervision department,based on the risk characteristics of rural cooperative financial institutions that are different from that of general commercial banks,based on the principles of comprehensiveness,standardization,accuracy and operability,from credit risk,liquidity risk and capital adequacy.In terms of risk and operational risk,a set of risk evaluation index system that conforms to the characteristics of Heilongjiang Rural Cooperative Financial Institutions has been constructed.Comprehensively use the improved fuzzy comprehensive evaluation method,introduce the order relation analysis method to weight the first-level indicators and the second-level indicators,and evaluate the risk of a single rural cooperative financial institution and all institutions in each prefecture and city as a whole.According to the analysis of risk evaluation results,it is concluded that the overall risk of rural cooperative financial institutions in Heilongjiang Province is higher,the risk of rural credit cooperatives is higher than that of rural commercial banks,and the risk level of rural cooperative financial institutions in various regions is quite different.Based on this,the suggestions for risk prevention and resolution of rural cooperative financial institutions in Heilongjiang Province are put forward: credit risk is prevented by accelerating the disposal of undesirable stocks,strict control of newly added defects,and strengthening the construction of internal control systems,and by improving the liquidity mutual assistance mechanism and stress test model Liquidity risk,prevent capital adequacy risks through multi-channel capital replenishment,accelerate the pace of restructuring of rural credit cooperatives,and improve corporate governance,and prevent operational risks by reducing operating costs,vigorously developing intermediate business,and increasing financial product innovation.