Less Developed Areas Farmers Credit Risk Rating And Management

In general rural area of China, especially the underdeveloped rural area, the credit risk is still a serious problem, it has hindered the rural households' credit to develop soundly. If all these couldn't be improved effectively, it will be impossible for rural finance and rural economy to develop soundly and establish sustained system and make the rural finance system to operate in low risk and high effiency environment. Another, households' financial demand is inhibited.This paper analyzes the credit risk of standard financial organizations. Standing the rual households' credit risk of the underdeveloped rural area. Rural households' credit risk in underdeveloped rural area has different cause of formation with other General industry in operating risks. On the external environment of it, bad social credit environment, the poor economic condition, fragmentary mechanism of risk compensating, imperfect market mechanism, negative effect of macro coordination and imperfect legal system are the major reasons which take shape the rural households' credit risk. On the internal environment of it, deviation of operating guiding ideology, imperfect internally piloting and low quality of staff are the major reasons which take shape the rural households' credit risk.On this basis of the cause of the rual households' credit risk in the underdeveloped rural area, this text Take the economic in opportunism, the transaction cost and the credit behavior relations as the theoretical analysis foundation, through the analysis of the game between rural financial institutions and farmers loan process, elaborated under the present rural finance department's efficiency loss in the underdeveloped rural area, we think that it is a cost-benefits weighing between different parties in the game.This paper introduces briefly and analyses comparatively some important models on credit risk management, then discusses the implementation of them in our country banks. By analyzing the actuality on credit risk management in the underdeveloped rural area at present, In the viewpoint of risk control point, and with the introduction of credit risk fuzzy comprehensive evaluation, and example shown that this model could effectively evaluate the risk of farmer loan.What's more, the paper gives some advices on improvements of credit risk management in the underdeveloped rural area in our country.