| In the period of building a moderately prosperous society in our country, development of rural economy has become the weak part in the development of the whole society. In the processing of supporting rural economic development. The Rural Credit Cooperatives (RCC) which is the backbone of the rural financial have the important responsibility. therefore it is important to maintain the healthy development of rural credit cooperatives for rural economic development.However, most of the RCC's risk concentration degree is quite high. Because its scope of business is very small, only basic deposit and loan business. The source of profit entirely relies on the difference between deposit and lending interest rates, without other profit growth; the RCC coverage is very narrow, only serve to the town where the business locate. Leading to a very high concentration of loans. Meanwhile, because of the information asymmetry between farmers and RCC and the "Herding effect" in the village, plus the high-risk nature of agricultural production, these high concentrate loans also have a high degree of risk. Meanwhile, in the trend of interest rate marketization reform, the People's Bank expanding the RCC's loan interest rate floating range. but the RCC does not consider any factors such as farmer credit risk ect. when adjusting the interest rate under the floating range. Regardless of the level of credit, all unified in the high lending rates, because of high interest rate some good quality credit farmers won't lend money in RCC, so that the client group of RCC will be inferior gradually, restrict the development of RCC seriously. therefore, this article attempts to evaluate the farmer personal credit scientifically and effectively using the establishment of individual credit evaluation models, and describing the relationship between the level of farmer personal credit and loan interest rate, secondly research the correspondence between the level of farmer personal credit and loan interest rate to control the possibility of credit risk of RCC.This paper is divided into five chapters, the first chapter basically for introduction parts, introducing the research background, purpose and significance of the study, the article's approach ideas, innovations and relevant research trends; the second chapter is the theoretical part,first described credit and the concepts and content of credit risk, on this basis, narrate the types and special of the RCC credit risk, and the root of how the risk happen; at last state the importance of RCC loan credit risk and some of the control measures and inadequate. The narrative lay the theoretical foundation for the subsequent chapters; the third chapter, contruct the farmer credit scoring model based on the Logistic function and giving the division of farmer credit rating, first of all explained theoretically internal relations between the level of farmer personal credit and RCC loan interest rate control through the interpretation of farmer personal credit score and its importance of RCC. Second, constructed farmer personal credit rate by using Logistic function model, and on this basis, assessed farmer credit rate by cluster analysis; The fourth chapter, first described the basic principles of the formation of lending rates, impact factors and the development of its main methods. Second described the level of farmer personal credit inner affect the loan interest rate, and giving the method that the RCC forme the loan rate right now. Finally, developed the method that carry out the differential interest rate using farmer credit scoring; The last chapter of the article is the conclusions and recommendations, including the full-text Summary and the corresponding policy recommendations.In the end this article establish an accurate and objective farmer credit evaluation model, and on this basis, set differential loan rates with different levels of farmer credit. Achieve to control RCC loan credit risk by the linkage of the level of farmer credit and loan interest rate. |
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