Study On The Evaluation Of Yunnan Province Rural Credit Cooperatives Farmers Microfinancebusiness Risk

90%of our country’s per capita for farmers, while in rural areas,90%of the rural credit cooperatives are open rural microfinance. Rural credit cooperatives plays an important role in the economic development. First of all, the rural credit cooperatives can. to some economic help farmers to develop sources of funding,to solve the farmer because of a shortage of funds caused by the lag of the development of the problem. Therefore, the credit problem in the rural credit cooperatives play an important role. But due to the development of creditdeficiencies, resulting in rural credit loan has many disadvantages, for example,because the credit problems caused by credit risk, because the level of education in rural areas is not high, so the credit problems of farmers has been is not high, it will cause the credit agency credit crisis, and is in the business in thecredit, of credit rating is not particularly accurate, would make the bank produce error in the rating, resulting in the loss of. So in the moment, how to develop the problem of rural credit cooperative, risk assessment to enhance the credit loan business, for rural development, which plays an important role in the progress of the society, so the focus of this paper is, in China rural credit agency creditproblems, credit analysis, credit risk assessment. With the rapid development ofChinese economy and the gradual perfection of market economy, the quantity and quality of the rural credit cooperatives are continuously improved, the importance to promote the role of rural credit cooperatives in the economy and in society is also becoming increasingly prominent, but the rural credit cooperativesin the development process there are still many constraints, combined with thefeatures and characteristics of credit the risk of rural credit cooperatives, through the management of rural credit cooperative credit adviceThe focus of this thesis is the credit risk evaluation, the main research direction is:first, analysis of the main characteristics of China’s rural credit cooperatives,combined with the current economic situation, with the rapid development ofChina economy and the gradual perfection of market economy, the quantity and quality of China SMEs are also constantly improving, the importance to promote the role of rural credit cooperatives on the economic and social development inthe increasingly prominent, but the rural credit cooperatives in the development process there are still many constraints, the most typical is the financing problem.So, we need to analyze the risk causes, at the same time, using the basic theoryand loans, the establishment of model, again with Chinese actual situation carries on the analysis comparison, draw the loan risk evaluation table small crisis,calculate the risk proportion, to classify the different proportion, then according to the levels are compared. The main use of the model are:BP neural network model, a credit risk assessment model, Logit model.