Research On Credit Risk Evaluation Of Agriculture Loan

In 2018,the central No.1 document continued to lock the "three rural" issues and put forward some suggestions on the implementation of the strategy of Rural Revitalization.It is especially pointed out that we should promote the return of rural financial institutions to the original areas,and deploy more financial resources to the key areas and weak links of rural economic and social development,so as to better meet the diversified financial needs of rural development.SD rural commercial bank as the root County,"three rural" financial main force,over the years has been based in the county,the rural development,agricultural credit business to achieve a good development of hitherto unknown,the balance of agricultural loans,increase the amount for many years in the banking financial institutions and the forefront of the industry.At the same time,the risk is accompanied by the sustained growth of agricultural loans.At present,the construction of credit system in rural areas is not complete,the main agricultural management organization is not standardized,anti-risk ability,farmers credit condition has great instability,coupled with the agricultural industry chain is the end position of the weak industry,the low rate of return,the production cycle is long,easy to be influenced by the natural environment and the price factor,the agriculture loan risk is financial institutions especially focus on prevention and control of rural small and medium financial institutions.To establish a reasonable and effective risk assessment model of credit behavior on agricultural credit subject to make risk assessment comprehensively,better able to provide scientific reference for the reasonable lending financial institutions,improve the risk management of financial institutions,truly in the development of agriculture related financial services at the same time,effectively reduce the probability of occurrence of credit risk financial institutions,and improve its ability to resist risks.This paper applies the combination of theoretical model and applied research,and takes the objective and comprehensive evaluation of the credit level of the main body of agricultural credit providers and building a scientific and effective risk assessment model as the main line,and studies the credit risk assessment of agricultural loans.The main work and innovation of this paper include the following aspects: From the perspective of theoretical research,this paper sorts out the relevant theories of credit risk and evaluation methods,agriculture related loans and credit risk assessment methods of agriculture related loans.Taking SD rural commercial bank as an example,this paper analyzes the situation of SD rural commercial banks' investment in agricultural loans,and the evaluation and management status of credit risk.It points out the existing problems of the credit risk assessment methods adopted by SD rural commercial banks at present,and points out that building a scientific and reasonable credit risk assessment model is of great practical significance.This paper studies the credit evaluation index system of agricultural loans and the construction and application of the evaluation model.Firstly,based on the principal component analysis method,we established the index system including 14 indexes,as far as possible to avoid duplication of information index to reflect the problem,achieved with less indicators to reflect most of the information of the objective evaluation;secondly the support vector machine method in data mining field has good classification performance for the introduction of a small amount of data.The research on credit risk evaluation,constructs the agricultural loan credit risk evaluation model,and the model is validated.Based on the above research results,this paper further strengthen the agricultural loan credit from large data management and application,improve the evaluation index system,the establishment of agricultural loans credit risk innovation driven agricultural loan credit risk control mechanism,and promote the agricultural credit risk prevention and control of the upstream and downstream mechanism construction in four aspects,put forward the guarantee measures of implementing credit risk assessment system for agricultural loans.