Research On The Construction Of Farmers' Credit Evaluation System

"Three rural" issue has been a major concern China, where farmers loans difficult problem is particularly prominent, which has seriously affected the development of rural economy. One difficult problem loans to farmers mainly due to lack of rational scientific farmer farmers credit evaluation system. Currently, farmers credit evaluation system construction of China is only just beginning, there is a distortion of evaluation findings, inefficient waste of resources and other issues. In this paper, under the farmers credit evaluation system summarizes the relevant theory and literature, analysis of influencing factors and credit status of farmers farmers credit evaluation system construction, build a farmer credit evaluation system, and using the analytic hierarchy process system for empowerment indicators, Jiangsu Yancheng as an example empirical analysis, the conclusion of the feasibility of the system and proposed to strive to improve the credit evaluation data availability, use of scientific and effective evaluation system; to strengthen the promotion of farmers credit evaluation system, improve the practice of summary evaluation system;actively promote financial credit awareness, establish incentive punishment mechanism; strengthen the system to avoid the deepening acquaintance, fair disclosure of relevant recommendations credit evaluation processes.In this paper, specific frame structure: the first chapter of the research background and significance elaborate comb-related research at home and abroad,research ideas and methods set forth herein, this paper proposes possible innovation and insufficient. The second chapter of the theory to sort out the farmers credit evaluation, there are asymmetric information theory, principal-agent theory,transaction cost theory. The third chapter, through detailed analysis of household credit factors as well as the status of farmer credit evaluation system construction to understand, analyze the factors that affect farmers credit rating is more critical. The fourth chapter, select farmers credit evaluation index system, through field researchYancheng City, Jiangsu Province, farmers to grasp first-hand data of the sample credit factor statistical analysis, the basic situation of local farmers credit factors Yancheng in Jiangsu Province comprehensive understanding and control, in-depth analysis on farmer credit rating more critical factor selected farmers credit evaluation on more critical metrics to construct the farmers credit evaluation system. The system of6-level indicators and 21 secondary indicators. The fifth chapter in Yancheng City in Jiangsu Province as an example, the use of AHP, the field research Yancheng farmers get first-hand information on Farmers Credit Evaluation Index System of empirical analysis, reasonable verification system. Chapter VI, according to the empirical results obtained farmers credit evaluation index system constructed is reasonable conclusions and make farmers credit evaluation system for the construction of three recommendations. Were efforts to improve the credit evaluation data availability,scientific and effective use of the evaluation system; to strengthen the promotion of farmers credit evaluation system, summarization of practice to improve the evaluation system; actively promote financial credit awareness, establish incentive punishment mechanism; strengthen deepen acquaintance Avoidance System, fair and open of the credit evaluation processes.