Research On Customer Credit Rating Of ** County Rural Credit Cooperatives

With the scale of China's financial institutions credit expansion,credit risk issues have become increasingly prominent,it has gradually become the main problem of the daily operation of financial institutions,and because of the particularity of rural financial market and rural financial ecological environment is fragile and other reasons,the rural financial institutions credit risk problems occur frequently,serious damage to the construction process of transformation of rural finance institutions and the rural financial ecological environment.Therefore,it has become an urgent task for all rural financial institutions to actively promote the credit evaluation of rural financial institutions and establish a rural credit evaluation system which is adapted to the current economic situation.This paper aims to establish County Rural Credit Cooperatives(hereinafter referred to as the "County Rural Credit Cooperatives")customer credit evaluation model,which contributes to the rural credit cooperatives to prevent and control the credit risk,improve credit risk recognition ability of rural credit cooperatives,provide strong support for rural credit cooperatives and credit policy,the customer credit evaluation model in accordance with the actual situation of China's rural financial institutions,has important practical significance.At present,scholars of the county rural credit cooperatives credit evaluation research,customer credit evaluation system in this paper is based on the county rural credit cooperatives,credit,credit risk,credit evaluation theory,combined with the evaluation of the status of domestic and foreign credit,the current county rural credit cooperatives credit evaluation system is put forward optimization suggestions and establish credit evaluation model,the model of farmers' credit data in 1000**County Rural Credit Cooperatives as modeling samples,using the method of combination of qualitative and quantitative analysis to quantify the variables of farmer credit evaluation index;using principal component analysis to customer information integrated into many variables unrelated and 6 a representative principal component,and as the modeling variables;using Fisher discriminant analysis method to establish customer credit evaluation model,analysis the discriminant accuracy and using 100 validation samples Data verify the usefulness of the model.The main conclusions of this paper are as follows:first of all,the credit rating system of rural credit cooperatives in China is relatively simple and needs to be further improved in the three years.Secondly,through the empirical analysis on the credit evaluation model is constructed in this paper shows that the third principal component is the bank account,residence time,credit record has great effect on the customer credit evaluation model,and the six principal components extraction can have a preliminary understanding of customer information integrity.Finally,the credit evaluation model has higher accuracy and stronger practicability.In line with the actual situation of the grass-roots rural credit cooperatives,it has important practical significance.