Research On Credit Evaluation System Of Farmers In Henan Province From The Perspective Of Inclusive Finance

Since the development of China's inclusive finance,there is still a phenomenon that the financial industry has not yet reached "equal development" and the inclusiveness of financial entities still needs to be strengthened.Inclusiveness is the result of ensuring that all people can share the economic prosperity,and everyone has the opportunity to realize their full potential.Therefore,the focus of the development of inclusive finance lies in the equal accessibility of financial institutions to financial resources.The core issue of further popularizing inclusive finance is to continue to strengthen the construction of financial infrastructure and establish a unified credit evaluation system to achieve the goal of inclusive development.At present,each financial institution has its own credit evaluation system,but there is still no relatively unified and externally available credit evaluation index system to serve the vulnerable groups in the inclusive finance-farmers.As a large agricultural province,Henan Province has a good representativeness of its farmers' credit.Therefore,this paper attempts to construct a credit system evaluation based on the disadvantaged groups in inclusive finance to build a farmer household in Henan Province,and try to construct a relatively unified credit evaluation.The system conducts credit evaluation for farmers under different conditions,so that they can improve their credit evaluation through their own efforts,improve the availability of financial services,increase the access to development funds needed,and continue to enjoy credit life,ultimately achieving real meaning.Poverty alleviation also promotes coordinated urban and rural development.The research content of this paper mainly includes the following aspects: Firstly,combined with the existing research and the status quo of credit management of farmers in China,we should collect the relevant indicators of the evaluation of farmers' credit system as much as possible,and screen the indicators according to the characteristics of farmers in Henan Province.Secondly,after screening The qualitative and quantitative indicators are standardized and assigned by a certain method;then,the analytic hierarchy process is used to calculate the weights of the relevant indicators of the credit evaluation of farmers in Henan Province,and the empirical analysis and verification are carried out in combination with the survey data.Finally,suggestions and suggestions are given.Conclusion: The credit of farmers in Henan Province is affected by the basic conditions of the farmers,the family characteristics,the economic strength of the farmers,the ability to operate,the solvency,the willingness to repay,the stability,and the Internet usage of the farmers.Capability is the most critical factor in measuring the credit of farmers in Henan Province.However,in the actual research process,due to the consideration of the privacy of farmers,the specific figures of the farmers in terms of income and other aspects cannot be obtained,and they can only be classified into different intervals for estimation.In the future research,it is possible to cooperate with the government and financial institutions to obtain more specific relevant data and propose a more reasonable credit evaluation system for farmers in Henan Province.