Research On Credit Evaluation Of Farmers’ Professional Cooperative

At present, the financing difficulty has become a biggest factor for the development of famers’ specialized cooperatives in china. In order to alleviate the financing problems of farmers’ professional cooperatives, to solve the information asymmetry between banks and specialized farmers’cooperatives, to reduce the risk of banks, to credit evaluation for farmers’ professional cooperatives, to construct the Chinese famer specialized cooperatives credit evaluation system has become the urgent realistic need. The establishment of farmers’ professional cooperatives credit evaluation system, one can achieve a comprehensive evaluation, reasonable, objective for the farmers’ professional cooperative credit, A disadvantage to gradually improve the professional farmers’ cooperatives in the process of financing, For banks and other financial institutions provide the basis for the realization of farmers’ specialized cooperative society into the supervision through the construction of evaluation of the public, guide the cooperative consciously establish trustworthiness consciousness, regulate the internal management, The formation of good external credit image, to promote the healthy development of specialized farmers’cooperatives.In this paper, seeing the farmers’ professional cooperatives as the research object, though the investigation to the cooperatives and banks, And to ask the experts, combined with the current situation and characteristics of farmers’ professional cooperatives, the basic situation, including cooperative financial status, opening status, credit status, service ability and development potential,6first class indexes and22of its affiliated two level index. Based on the quantitative analysis and qualitative analysis, by using the analytic hierarchy process. The credit evaluation index quantification, The weight of each evaluation index is calculated out in the credit evaluation system of value, The weight of evaluation index value is greater, The evaluation indexes more impact on credit results, Finally set up the index system of credit evaluation of farmers’ professional cooperatives. Using the established evaluation index system, Though the expert scoring, We can calculate the farmers’ professional cooperative the appraisee’s credit score, control credit rating classification table, to know the appraisees’cooperative credit rating, In order to provide a reference for the credit of the cooperative bank. The fifth part of the article analyzes the system of credit evaluation of farmers’ professional cooperatives established, Taking a country in Heilongjiang province cooperative as an example, the final evaluation results of this cooperative credit rating of AA-class, With the cooperative in Heilongjiang province of a commercial bank’ credit status. Therefore, the study of farmers’ professional cooperatives credit evaluation index system is effective, The evaluation results reflect the credit standing of farmers’ professional cooperatives, thus we can use the credit evaluation index system to evaluate the farmers’ professional cooperatives.