Research On Credit Evaluation System Of Farmer’s Microfinance In X Village Bank Credit

The establishment of village banks is helpful to improve rural financial services and build a new socialist countryside more quickly,and then realize the harmonious development and progress of rural economy and society.This paper expounds the importance of the credit evaluation system of peasant household microfinance for the strategic management of village banks from the perspectives of strategic objectives and strategic implementation.Based on the data of X village bank,a set of scientific and reasonable credit evaluation system of farmers’micro-loans is constructed by rough set relative reduction algorithm and rough set conditional information entropy method.According to the credit evaluation index system and credit score system of peasant household small loan,relevant suggestions are put forward for the Strategic impact of X rural bank.The main innovations of this paper are as follows:Firstly,from the perspective of strategic management,it analyzes the importance of research on the credit evaluation system of peasant household small loan is of constructive significance to the strategic development of X rural bank.Secondly,the evaluation index system and the credit management scoring model of micro-credit of farmers are respectively established by rough set relative reduction method and rough set conditional information entropy method,which makes the final evaluation index system can distinguish the default status of loan farmers significantly,and reflects the importance of evaluation index when the gap between default samples and non-default samples is larger.Ensure the final build of peasant household microfinance credit evaluation index system is scientific.