Farmers Credit Risk Evaluation Of Agricultural Value Chain Financing

China has a large agricultural country with 800 million farmers engaged in agricultural production accounted for 70% of the total population of the country’s population, rural issues related to the country’s stability and prosperity. Development of agricultural finance, for the improvement of the living conditions of farmers, raise the level of agricultural development, the implementation of a new socialist countryside construction is important. However, China’s agricultural smaller, the status quote such as poor farmers make the overall credit environment has long been China’s financial institutions credit for farmers inadequate investment, financing difficulties farmers become urgent to solve issues.As a solution to the financing difficulties of farmers, many experts and scholars have turned their attention to the discussion and study of the agricultural value chain financing. Agricultural value chain financing can rely on the existence of both lenders and borrowers partnership to solve part of the problem of asymmetric information, thereby reducing the information collection and transaction costs and reduce credit risks, and promote the development of rural finance. On the basis of existing theories and data, through selecting a representative sample, using AHP to farmers in the value chain financing credit risk research.This paper introduces the concepts and features of the agricultural value chain financing, and credit risks unique farmer made a detailed explanation. Then according to the credit risk characteristics of the households of farmers to build credit risk evaluation index system in the agricultural value chain financing. Index system from the farmer’s family circumstances, farmers operating conditions, the loan situation of farmers, farmers’ debt situation, credit status of farmers and farmers on the production value chain related businesses where profitability, efficiency and operational status of the eight aspects of the situation affecting farmers credit indicators are classified. In the sample data were normalized after treatment, AHP, credit risk assessment system for farmers to build analysis and study. Finally, based on the results of empirical analysis, discusses the reasons for the financing of agricultural value chains by farmers can reduce credit risk and made recommendations accordingly.