Evaluation Of Rural Consumption Credit Risk

As a new kind of business, rural consumption credit gets more encourage and supporting by China in the background that the international crisis deepens gradually to our country. Along with the implementation of each policy of enriching the peasants and the update of consumption structure, it becomes the exigent demand. With several adjusting and reforming, country finance organization system formed the normal one which country credit is prior, agricultural bank and agricultural developing bank is secondary, and with the assistance of the informal organization such as "Money for Stock Association", country cooperation fund and country Poverty alleviation organization to enrich the structure of financial system. But in the performance of country consumption credit, there's still huge risk. It is the most efficient method that using the measurable research model to evaluate the credit of peasants more scientifically and accurately and efficiently for keeping away the risk of the country finance organization. This article based on the analysis of the supply and demand sides of China's rural consumption credit market, and the root of the rural consumption credit loan risk, and researching the credit risk controlling method, then use the support vector machine in statistics, the genetic algorithm in biology and the Binning algorithm with the computer programming technique and the model of credit risk identification, evaluation, and measurement which constructed by the historic data of the rural credit loan to break up the monopoly status of traditional method in the risk evaluation of rural credit, and use the developed measurable method to evaluate more scientifically and accurately. It suggests that the country finance organization quotes the management method of modern credit risk to mend the development step of country consumption credit business that based on the strength itself and contribute for the process of agricultural finance modernization.