Study On Evaluation System Of Farmers In Rural Credit Cooperatives Of Jining City

In recent years,the greater the impact on the rural financial China financial system and gradually become the support and service of agriculture,rural areas and farmers.The backbone force of rural finance in recent years of continuous development,and innovation in other areas,agriculture and farmers benefit.However,in recent years the loan problem is endless.Mainly because it is difficult to scientifically measure the farmers' credit to farmers,so the credit risk is difficult to control.For domestic commercial banks,credit risk is the most important assets,most of the commercial bank credit risk weighted ratio of more than 90%,and the new capital accord is the implementation of the new project in bank's credit risk management,put forward higher requirements on the credit risk management methods are not.Jining rural credit cooperatives existing risk of the effective measure of credit loans to farmers,can not form the measurement of systemic risk,so as not to meet the implementation of the new capital accord,these defects are urgent need to upgrade,establish an internal rating system perfect,to meet the requirements of the New Capital Accord and internal rating model in.2015,Jining According to the actual situation of the rural credit,the urban rural credit cooperatives revised the farmer's credit evaluation system,strengthen the evaluation system of the credit and the farmer's loan,and expanded the scope of the farmers.This paper defines the farmer credit,credit risk and the basic concept of farmers' credit,followed by an analysis of its own characteristics and family characteristics,farmers' solvency,factors affecting the macroeconomic environment for farmers and farmers credit areas,through these aspects of Jining farmers credit analysis for statistical description.According to the collected the results,farmers' age,education level,health status,profession,family members,whether was the village cadres,non-agricultural income,personality and other factors will affect the farmers' credit at a certain level of significance.Therefore,we should persist in the policy system to system Degree of insurance,through the loan structure and other issues to solve,to explore the formation of a new financing guarantee mechanism,strengthen incentives,so as to promote the level of farmers' credit continues to rise.