On Influence Factors Of Credit Rating To Micro-credit Farmers In Western Area

As one of the important composition of rural credit activities, farmer credit rating throughthe exploration and practice in recent years, has achieved certain success, to a certain extent,select the credit good farmers, provide easy loans service for farmers, and to cultivate theconsciousness to credit culture. Along with our country rural commercial Banks, rural Banks,small loan companies, rural fund support rural financial organizations have emerged, the ruralfinancial institutions in China is developing rapidly. But, the credit risk levels of farmer loanare more outstanding, it have a serious influence to the sustainable development of ruralmocro-credit.The third plenary session of the18points out, to give farmers more property rights, and togive farmers contracted land possession, use, income, transfer and mortgage, guarantee theright to the contracted management of land power, gives farmers the collective asset sharespossess, income, paid out and mortgage, guarantee, inheritance. Encourage contractedmanagement in the open market to professional investors, family farms, farmers’ cooperatives,agricultural enterprises encourage and guide the industrial and commercial capitals to therural development is suitable for the modern enterprise management planting and encouragerural economic development and cooperation, encourage social capital in rural construction.Encourage farmers to mortgage financing and industrial and commercial capital flows to thecountryside, is a new opportunity of rural development, will inevitably lead to huge impetusto the rural reform development. However the smooth development of rural finance dependson the improvement of the peasant household credit rating system and scientific and effective,only the timely and effective control of credit, farmers’ loans and financing is the premise andfoundation. Therefore, to establish scientific and perfect peasant household credit rating isparticularly important.This paper analyzes the current situation and problems of microcredit farmers’ credit rating,and SanYuan county data in shaanxi province as an example, the influence factors of China’sfarmers microcredit in western ratings to do the empirical research. In this paper, according tothe basic situation of farmers, assets, loan conditions of three factors, select15of peasant household credit rating might be factors, respectively, the total number of gender, age, familylabor force, the number of children to school, culture degree, occupation, skill, arable land,family location, living conditions, housing values, family year income, household electricappliance value microfinance purposes. Research has found that age and family year incomehave positive influence, labor force, skill, microcredit purposes has a negative impact. Theyearly gross income, skill and labor force has more significant effect.According to the results of the study and practice of peasant household credit rating athome and abroad and the enlightenment, in order to promote the peasant household creditrating of western region, this paper accelerates the construction of credit rating andstandardization. Promote the construction of credit engineering, credit products and incentivemechanism. Perfect the relevant supporting system and measures. Improve the supportingconditions and laws and regulations.