The Design Of Credit Evaluation Index System Of Farmers

Obviously, there are two structure of urban and rural finance in China, ruralfinancial repression problem is serious, financing is difficult for farmers, thirst formoney is certainly ubiquitous. Since the accession to the WTO, whether it is from thepoint of the competition of foreign financial institutions, or the point of our ruraldevelopment itself, we should to build our rural credit system ourselves. Jilinprovince is a major agricultural province, has very important position in agriculturaldevelopment of China. It is representative to have empirical research on the data ofJilin province.The paper introduces the foreign and the domestic research on rural financefirstly. The foreign paper mainly research on three aspects, including the rural financetheory, economic behavior of farmers, and credit risk evaluation of farmers. Thepaper from foreign is really helpful for me to write my paper. The domestic paperresearch on three aspects, including the credit and the credit of farmers, credit riskevaluation, credit risk evaluation index of farmers. These papers are helpful for me toknow the situation of our rural finance, and they have great reference value to mypaper.Then, the related theories in this paper are described, including the concept ofcredit, main ways for farmers to borrow money at present, the construction offarmers’ credit system of China, the key factors of farmer credit risk evaluation, as aprelude to next research. On this basis, according to the4C evaluation method,through the statistical analysis of4204effective sample farmers’ data in Jilin province,then I put forward the farmer credit evaluation index and get the final index to continue to research.And then I do the factor analysis to the evaluation index, and use the softwarewhose name is yaahp doing hierarchy analysis on credit evaluation index system,every index of all level get its weighted value, then I make the credit scoring table offarmers and the credit ranking through the weight value.4204sample farmers aredivided into two groups,3904sample farmers provide the data basis for the design ofcredit scoring table of farmers, the other300sample farmers to test it is feasible ornot. I modify the credit scoring table many times based on the3904sample data,finally I get it.300sample farmers to test it is feasible or not, the result is46sampledo not pass,254sample pass the test, it prove that the credit evaluation index and thecredit scoring table of farmers is feasible.Finally, I get the credit scoring table of farmers, it is really effective andeveryone can use it to pick out the farmer who has great credit, without any trainingjust by referring the standard of the credit scoring table. It can improve the financialwork efficiency, and can help the good farmer to borrow money as soon as possible.