| 基于AHP评价法的中国农村商业银行信贷风险预警系统构建的实证研究 |
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| 引用本文： | 杨小玲. 基于AHP评价法的中国农村商业银行信贷风险预警系统构建的实证研究[J]. 粮食科技与经济, 2021, 46(1): 44-49 |
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| 作者姓名： | 杨小玲 |
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| 作者单位： | 南京审计大学 金融学院,江苏 南京 211815 |
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| 基金项目： | 江苏省社科基金项目(18EYD004)。 |
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| 摘 要： | 农村商业银行在提供金融服务的同时,也面临来自借款人层面的信贷风险.而这种信贷风险的产生源于信贷市场中的信息不对称、有限理性和羊群效应等.文章利用层次分析法,从借款人角度构建农村商业银行信贷风险的预警体系,设计农村商业银行信贷风险的控制策略.并用江苏省10家农村商业银行2018年的数据进行验证,研究结论显示:个别农商行的...
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| 关 键 词： | 农村商业银行 信贷风险 预警体系 |
Empirical Research on Early Warning and Evaluating System for Credit Risk of Rural Commercial Banks Based on AHP Evaluation Method |
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| Yang Xiaoling. Empirical Research on Early Warning and Evaluating System for Credit Risk of Rural Commercial Banks Based on AHP Evaluation Method[J]. Grain Technology and Economy, 2021, 46(1): 44-49 |
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| Authors: | Yang Xiaoling |
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| Affiliation: | (Nanjing Audit University,College of Finance,Nanjing,Jiangsu 211815) |
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| Abstract: | Rural commercial Banks,while providing financial services,also facing credit risks from borrowers.Based on adverse selection and moral hazard in credit market,the paper using the way of analytic hierarchy process(AHP),is build rural commercial bank credit risk early warning system from the perspective o f the borrower and design the credit risk control strategy for rural commercial bank credit risk.Using Jiangsuzz's 10 rural commercial banks data,the research shows that:the credit risk of individual bank level is higher,under the economic downward legs,having the development trend of high risk.The paper suggest it should construct the early risk warning system,perfect the internal control construction to strengthen the attention and prevention. |
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| Keywords: | rural commercial banks credit risk early warning system |
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