| Farmer credit risk evaluation and decision system is a customer credit risk decision-making evaluation system. It reflects the repayment of liquidity and the will of paying.Fourther, it reflects character, capacity, capital, callteral and condition which is generally accepted by financial circles as 5C. It includes the credit risk evaluation indicator system of microcredit for farmers and the decision-making evaluation system of microcredit for farmers.This paper is divided into five parts. The first chapter is the introduction. This part illstrates the chatacter of microcredit, discusses the current status of microcredit and the problems of existing research. The second chapter is principles and procedures of evaluation index system established. The third chapter describes principles and procedures of credit evaluation equation and grade classification. The forth chapter is the empirical reseach of 2044 customers, constructs the farmer credit credit evaluation system, develops the lending decision. The major work of this paper is as follows:(1) The decision-making evaluation system of microcredit for farmers is built. Delete indicators with large correlation coefficient by collinear test to avoid indicators reflecting duplicate information. Delete indicators with little impact to evaluating result in criteria layers by stepwise discriminant analysis to ensure the selected indicators can significantly distinguish between non-default and default customers. Finally this paper constructed the credit risks evaluation and decision system of microcredit for farmers.(2) This paper establishes micro-credit customer credit risk assessment model by logistic regression. Through empirical reseach of 2044 customers, this paper establishes credit evaluation system, calculates credit score of farmers. Taking order according to credit score, the 2 044 microfinance clients credit rating is divided into nine. At the end, credit lending decision is developed. |
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