Research On The Evaluation Method Of Small Loan Projects In Rural Credit Cooperatives

China has always attached great importance to the development of rural economy,so China put forward the development strategy of "focusing on agriculture,rural areas and farmers".In this environment,financial institutions represented by rural credit cooperatives began to customize various financial policies and services based on"agriculture,rural areas and farmers" Among them,the rural credit cooperatives'financial policy of micro-credit for agriculture,rural areas and farmers provides solid support for the rural economy to achieve sustainable and in-depth development.However,we should also be aware of the rural credit cooperatives in small credit risk.Therefore,the most difficult problem for rural credit cooperatives at present is to fully realize its scientific,rational and normative nature in the management of micro-credit to reduce or avoid the risks,so as to provide a good operating environment.So the effective rural credit cooperatives microfinance program evaluation methods are really play a role of rural credit cooperatives financial practical significance,this paper in X region of rural credit cooperatives,for example,detailed explored it in microfinance is how to manage the risk,the final purpose is to intuitive comprehensive understanding on the microfinance of rural credit cooperatives of risk management.This is also the purpose of this paper.This article first introduce the basic theory of microfinance development model evaluation,based on the model and successfully on the international microfinance development research evaluation methods FICO and IPC has carried on the comparative analysis,raises in microfinance risk control should pay attention to some of the factors,the consummation microfinance assessment technology is the key of the small credit risk control is summarized,combined with the two kinds of assessment method is fit for the management of rural credit cooperatives microfinance in China.;Then the evaluation index system and evaluation model of rural credit cooperatives on the basis of ahp were constructed.Finally,the practical case respectively analysis the credit evaluation and IPC method is used for loans,the consistency of the conclusions combined with credit evaluation theory points out that microfinance in the characteristics and method of credit assessment,with the method of case study introduces two worldwide microcredit evaluation technology are widely applied to credit scoring method and IPC microfinance technology,summarizes its applicable conditions,analysis of their respective advantages.Then,a new micro-credit evaluation technology based on AHP algorithm is designed based on the above research,and it is applied with practical cases.From the perspective of risk,this paper expounds the credit risks and characteristics of the credit users related to rural credit cooperatives.It uses two widely used microfinance evaluation methods,credit scoring method and IPC microfinance evaluation method,summarizes their applicable conditions,and designs domestic farmers.The index system and evaluation model of risk assessment of rural credit in micro-credit can provide reference for the evaluation of rural credit cooperatives'micro-credit in China,and the applicability in practice still needs to be constantly studied and perfected.