Study On Credit Evaluation Of Peasant Household

At present, because of incomplete rural credit evaluation system, rural financial institution can't evaluate the credit of peasant household effectively. Related research abroad deviates from China's actual conditions, and domestic research is still in exploring phase. So, this thesis seeks to analyze peasant household's credence property, build peasant household's credit evaluation indicator system and construct credit evaluation model to discuss credit collection system and credit evaluation system, which can improve the consciousness of peasant household's credit and promote the rural economic development in China.After related literature research and book reading, this thesis is to talk about the present situation in this field at home and abroad, describe the defects of research and make sure that the main research contents of this thesis are analysis of credence property, analysis of credit influence factors, building of credit evaluation indicator system and constructing of credit evaluation model. On this basis, this thesis introduces three correlation theories and their reasons for application.Furthermore, based on consulting research conclusions of peasant household's behavior characteristics, this thesis discovers that the essence of peasant household is a combination of personal/familial and micro-enterprise in china. Its credence property is composed of personal/familial attribute and micro-enterprise's attribute. And through combining with sustainable livelihood theory, this thesis studies influence factors of peasant household's credit from angles of livelihood capital, political system and rural market environment.Next, based on influence factors of peasant household's credit, this thesis builds original credit evaluation indicator system. And through indicator adjustment by using Delphi method, ultimate indicator system has been built. In terms of the steps of Likert to explore credit position questionnaire of peasant household, and using descriptive analysis and reliability analysis on 350 peasant households'data which is acquired from Jiangxi province.Lastly, based on quantization and exploratory factor analysis of 350 peasant households' data, this thesis chooses 300 peasant households' data to be sample data for constructing peasant household's credit evaluation model.250 peasant households' data of sample data is used as training sample, and 50 peasant households' data of sample data is used as test sample. Through ascertaining optimum number of the middle layer neurons by many attempts, peasant household's credit evaluation model with 27-16-1 network structure is constructed. And the application result is examined by last 50 peasant households' data.