基于层次分析法的河南省地方银行财务风险评价与控制分析

摘要

河南省是人口大省，金融机构网络健全。地方银行的发展，对河南省的经济发展起着重要的作用。本文用层次分析法对河南省地方银行的财务风险进行了评价，得出前五个影响地方性银行财务风险的因素分别是资本积累率，其次是不良贷款率、逾期90天以上贷款比率，再接下来是净利增长率，最后是成本收入比。针对这些因素，提出了合理提高资本积累率；完善信贷风险的管理；实现利润的多样化；有效控制成本收入比等对策建议。%Henan is a populous province with sound financial organizations. The development of local bank is important for the economic development of Henan Province. This paper uses AHP method to evaluate the financial risk of local bank and finds the top 5 influencing factors of the financial risk of local bank, which are rate of capital accumulation, non-performing loan ratio,90+ days overdue loan ratio, net profit growth rate, cost-income ratio. According to these factors, countermeasures are put forward including reasonably increasing capital accumulation, perfecting the credit risk management, realizing diversification of profit and effectively control of cost-income ratio.