农村小额信贷风险评估问题研究.docVIP

农村小额信贷风险评估问题研究 摘要 ： 本文调查分析了农村小额信贷风险的各种问题，通过建立农村小额信贷的风险概念体系，重点对农村小额信贷风险进行了评估，进一步建立了利用层次分析法对小额农贷风险评估的评估模型，并合理应用信贷机构提供的实际资料结果验证了农贷风险评估模型的有用性。我国农村小额信贷制度的特点和实践,通过分析小额农贷政策与国内环境的相互影响, 着重讨论风险评估尤其是小额信贷风险评估的特殊性以及具体方法。如：层次分析法、模糊综合评价方法、项目风险管理的方法、模型。首先分析层次分析法、模糊综合评价方法内容及。层次分析法是指将一个复杂得多目标决策问题作为一个系统将目标分解为多个目标、多方案优化决策的系统方法，也是一种定性与定量分析相结合的系统分析方法。它的基本思路是采用递阶层次结构将目标问题相关的各种因素在深入分析实际问题的基础上，将有关的各个因素按照不同属性自上而下的分解为若干层次进行综合分析。通过对问题的逐步分解细化，按照专业领域和社会职能的不同，将专家经验引导人不同的层次中按照政策风险评价的方法；模糊综合评价法是一种基于模糊数学的综合评标方法。根据模糊数学的隶属度理论把定性评价转化为定量评价，即用模糊数学对受到多种因素制约的事物或对象做出一个总体的评价。Abstract: The paper analyzes the risk of rural problems and establishes rural small credit risk concept system, focusing on rural microfinance risk that it was evaluated, further establishes using analytic hierarchy process for small agricultural loans risk assessment model, and the rational application of credit agencies to provide real data results validate the credit risk assessment model the usefulness of. Chinas rural micro-credit system characteristics and practice, through the analysis of small agricultural loans policy and domestic environment, mutual influence, discusses risk assessment especially microfinance risk assessment as well as the special nature of specific methods. Such as: analytic hierarchy process, fuzzy comprehensive evaluation method, project risk management methods, model. The first analysis analytical hierarchy process, fuzzy comprehensive evaluation method and content. Analytic hierarchy process is a complicated multi objective decision making problem as a system will target is decomposed into multiple target, scheme optimization decision system, is a combination of qualitative and quantitative analysis method of system analysis. Its basic idea is to use hierarchical structure will target problem related to various factors in depth analysis of practical problems on the basis of the various factors, in accordance with the different attributes of top-down decomposition into several levels to conduct a comprehen