| The Chinese government has always been highly concerned about the "three rural issues." From 2004 to 2017,Central Government Document No.1 issued the theme of "Agriculture,Rural Areas and Farmers" for 13 consecutive years.Among them,rural finance plays an important role in supporting the development of agriculture,rural areas and farmers.Supporting factors are involved every year.At present,the state has not enough support for rural finance and the problem of poor farmers' loans is still not satisfactorily solved.This has become a key issue that restricts the development of agriculture,rural areas and farmers.On the one hand,the reasons for the problems are: the low qualification of farmers,the lack of qualified collaterals,and on the other hand,driven by the profit targets of formal rural financial institutions in recent years Gradually exit the rural market.At present,under the backdrop of the development of Internet technology,penetration of mobile Internet into the countryside and the normal demand for loans from rural households,the rural financial market has become an emerging area for expansion of the asset side of P2 P online loan platforms.As a kind of credit financial institution,the loan-related P2 P loan platform is a significant risk to the platform.How to scientifically evaluate the credit rating of farmer borrowers is an important reference point for approving the access of pre-borrowers to the platform.This paper first analyzes the information asymmetry existing in P2 P platform and the long tail characteristic of investment and financing users and the related behavior of social capital in P2 P network loan from the information asymmetry,social capital and long tail theory.Secondly,the paper analyzes the status quo of the development of China's P2 P lending platform,the three main operating modes and the status quo of two typical P2P-related lending platforms,analyzes the strengths and weaknesses of each model and the platform of agriculture-related platform Development of the status quo,and then build on the credit rating index system of peasant borrowers in rural P2 P lending platform.Through the credit rating indicators of credit card applicants and the characteristics of P2 P lending related to agriculture,China Construction Bank established a credit rating index system for peasant borrowers who are involved in P2 P lending platform.Finally,this paper constructs the household credit rating by using artificial neural network model,and puts forward reasonable policy suggestions according to the robustness of the model and the problems analyzed in the previous section.Help P2 P lending platform for legal compliance and development of government policies and provide reference views. |
PDF Full Text Request