Credit Evaluation System For Agriculture-related Enterprise Loans Of X Village Bank Construction And Application Research

Agriculture-related enterprises need the financial assistance of rural financial institutions in the process of promoting the standardized,large-scale and intensive development of the agricultural industry,and rural banks have also played a great role in the field of rural agriculture-related enterprise credit.In recent years,the spirit of the National Central No.1Document has attached great importance to village banks.However,with the rapid liberalization of domestic and foreign markets,the competition in the domestic rural financial market has become more and more fierce,and the credit level of rural agriculture-related SMEs is generally not high.,and the problems of systematic limitations in the credit management system and system of China’s rural financial system have gradually emerged,and there are currently no standards for credit evaluation of agriculture-related enterprises.Compared with developed countries,my country’s credit evaluation started late and its development has been delayed.At present,only credit evaluation for small and medium-sized enterprises is carried out by commercial banks.There is no unified reference standard,and there is no credit evaluation for agriculture-related enterprises.This paper mainly evaluates the loan credit of agricultural-related enterprises of rural banks,constructs the credit evaluation index system of agricultural-related enterprises of X rural banks,combines the analytic hierarchy process and entropy method,and weights the index system through the combined weight method;On the basis of the situation and loans of agricultural-related enterprises,taking 257 agricultural-related enterprises as the research object,it is divided into 6 levels according to the operation ability,profitability,solvency,operator quality,cooperation situation,and mortgage and pledge situation of agricultural-related enterprises.Select 23 indicators such as the market value of the collateral,the number of cooperation with X village and town banks,the number of credit grants,the operator’s credit status,the asset-liability ratio,and the total asset turnover rate for credit evaluation,and determine the credit rating of agriculture-related enterprises according to the credit evaluation results;According to the research results,it puts forward some countermeasures and suggestions to promote the credit management of agricultural-related enterprises in rural banks.The research results show that:(1)the credit rating of agriculture-related enterprises can be determined by using the credit evaluation index system of agriculture-related enterprises,and corresponding risk management measures can be taken according to the credit rating;(2)the credit risk evaluation results of agriculture-related enterprises can be X villages and towns.Whether the bank makes a decision on whether to lend money to agriculture-related enterprises;(3)Special indicators such as the number of times of cooperation with X village and town banks,the number of credit lines,and the market value of collaterals need to be focused on,which have a greater impact on the risk assessment of agriculture-related enterprises.Based on the above conclusions,suggestions are put forward to improve the credit evaluation level of agricultural-related enterprises in rural banks and promote the high-quality development of rural financial institutions: first,improve the construction of the rural credit system and continuously improve the credit management mechanism;second,strengthen the risk of collateral and pledges Third,strengthen the risk management and control capabilities of village banks and improve the awareness of credit prevention.