This paper pvided the main risks of rural crept cooperatives in China into internal and external risks， constructed the risk evaluation system of rural crept cooperatives with 6 level two indexes and 15 level three indexes， and the analytic hierarchy process （AHP） is used to get the index weight of each category in the system. In this way， we can evaluate the rural crept cooperatives from the internal， external and comprehensive aspects， so as to facilitate the regulatory authorities to take corresponpng measures.

农村信用社；风险评价体系；层次剖析法

rural crept cooperatives；risk evaluation system；analytic hierarchy process

F276 A 1673-1069（2017）05-0063-02

1 引言

农村信用社为“三农”提供资金支持，是农村的主要金融机构。怎么样评价农村信用社的风险情况，为农村信用社针对不同状况的风险采取相应手段提供理论依据，成为大伙所关注的问题。打造一套科学健全的风险评价体系[1]，一方面为农村金融机构提供有效的风险评价工具，使农村金融机构可以准确评估风险、抵御风险，打造风险预警机制；其次，使农村金融机构准确认识到各类风险影响用途的大小，对农村金融机构提前做好防范手段具备肯定的指导意义。