农村中小金融机构风险管理内部满意度研究——基于宁德农商银行的数据调查

Research on Internal Satisfaction of Risk Management in Rural Small and Medium Financial Institutions:Based on Data Survey of Rural Commercial Bank of Ningde

基于行为金融视角,将管理者所涉及信用风险、操作风险、市场风险等纳入农村中小金融机构风险管理的分析框架,构造农村中小金融机构风险管理行为新因子指标,修正风险管理行为模式满意度综合评价体系,通过路径分析与模糊综合评价法挖掘农村中小金融机构的风险管理行为问题,探索现阶段农村中小金融机构的风险管理水平。研究结果表明,农村中小金融机构风险管理行为模式满意度介于"一般"和"比较满意"之间。

Based on the behavioral financial perspective,the credit risk,operational risk and market risk involved in the management are incorporated into the analysis framework of risk management of rural small and medium-sized financial institutions.The new factor indicators of risk management behavior of rural small and medium financial institutions are constructed,and the comprehensive evaluation of satisfaction degree of risk management behavior patterns is revised.The system explores the risk management behavior of rural small and medium-sized financial institutions through path analysis and fuzzy comprehensive evaluation method,and explores the risk management level of rural small and medium financial institutions at this stage.The results of the study show that the satisfaction of risk management behavior patterns in rural small and medium-sized financial institutions is between ＂general＂ and ＂satisfac