摘要
在完善金融服务体系、改善城乡二元经济结构、推动农村经济发展等方面，村镇
银行往往具有极其重要的影响力。但是，作为新型农村金融机构的村镇银行，不仅成
立时间较短，而且在抵抗风险能力方面也都存在一定的不足，这就导致一旦出现风险，
就会影响其经营状态，甚至出现破产。同样的，如果村镇银行在经营中偏离最初支持
农村发展的目标，产生太大风险，很可能会增加当地的金融负担，对农村发展产生消
极影响。因此，科学认识村镇银行风险，合理进行评估，并进行控制与防范，往往可
以最大程度减少风险发生概率，降低风险，使村镇银行得到更好的、更快的发展。
本文采取文献分析法、问卷调查法、定性分析与定量分析相结合的研究方法，选
取信用风险、流动风险、操作风险及市场风险等四个一级风险评价指标，十五个二级
指标构建风险评价模型，主要介绍了内蒙古 MY村镇银行的概况及风险控制情况，并
通过对其现状的分析，总结出内蒙古 MY村镇银行在现阶段有着风险管理意识不强，
风险控制机制不健全等问题。因此，本文在第四章中对 MY村镇银行风险评价主要是
以风险评价模型为基础，采用模糊综合评价法与层次分析法进行对应的定性与定量评
估，进而研究分析内蒙古 MY村镇银行在风险控制中的各项指标权重及最终风险评价
情况，并对其进行排序，得出占比最大的风险指标为信用风险。通过对内蒙古MY
村镇银行的风险进行评价分析，得出内蒙古 MY村镇银行的风险评分为 47.67%，处
于中风险范畴。
最后，本文针对该村镇银行的现实情况及风险评分结果，分别从信用风险防范、
流动风险防范、操作风险防范及市场风险防范四个方面提出风险防范对策，这将更加
利于对内蒙古 MY村镇银行和农村经济的健康持续发展产生促进作用。
关键词：内蒙古 MY村镇银行；风险评价；风险控制
Abstract
Village banks have played an important role in promoting rural economic
development, improving the dual economic structure of urban and country places,
optimizing the status quo of rural finance. However, village banks are a new type of
rural financial institutions. They have not been established for a long time. They are in
the initial stage of development, and their ability to resist risks is still weak. Once
risks arise, they will threaten their own operations and even face bankruptcy. If the
village bank is not well managed, it will not only run counter to the goal of serving
the three rural areas when it was first established, but also increase the burden on the
rural financial system, as a result, the rural economy has been greatly restricted.
Thence, understanding the risks of rural banks, evaluating them reasonably, and
effectively preventing and controlling them can greatly reduce the probability of the
occurrence of risks in rural banks, thereby reducing the losses caused bythe
occurrence of risks to rural banks, and promoting the development of rural banks
faster and better.
In this paper, adopt literature analysis, questionnaire survey, qualitative analysis
and quantitative analysis, and determine the four major risks of market, operation,
liquidity, and credit as research indicators, and fifteen secondary indicators are used to
construct a risk evaluation model. This paper introduces the general situation and risk
control of MY Rural Bank in Inner Mongolia, and determines the current state of
research, it is concluded that MY Rural Bank in Inner Mongolia has problems such as
weak awareness of risk management and imperfect risk control mechanism. After that,
in chapter four, this paper establishes a risk evaluation model for the risk evaluation of
MY RuralBank. Thispaper usesthe analytic hierarchyprocess andfuzzy
comprehensiveevaluation method,soasto determinethe correspondingrisk
evaluation index system on the basis of combining quantitative and qualitative, then
studies and analyzes the weight of each index and the final risk evaluation in the risk
control of MY Rural Bank in Inner Mongolia, and ranks them. The risk indicator with
the largest proportion is credit risk. By evaluating and analyzing the risk of MY Rural
Bank in Inner Mongolia, it is concluded that the risk score of MY Rural Bank in Inner
Mongolia is 47.67%, which is in the medium risk category. Ultimately, on a practical
basis and risk scoring results of the village bank, this paper proposes risk prevention
measures fromfour aspects:credit risk prevention,liquidity riskprevention,
operational risk prevention and market risk prevention measures, which will be more