The Credit Risk Evaluation Research Of Rural Micro-finance

Rural Finance is an important part of our financial system, At the same time is animportant force to Support and service rural areas.However, for a long time, Due to thelack of guarantees and loan amount is small,Credit association wouldn’t loan thepeasants and meantime the peasants can’t apply for the loan. Our country is agriculturalcountry and agriculture financial market develops slowly, credit supply and demandcontradiction is prominent, effective utilization rate of capital is low.How to providemore convenient and efficient financial services to rural, guarantee rural rapid economicdevelopment, is a big challenge to our government.the development of the ruraleconomy,the acceleration of the farmer’s income and the adding of more economicbenefit to the rural credit cooperatives.The micro-finance for the peasant alleviates the above-mentioned problem,manycountries draw lessons from the Innovative financial tools of face poverty groups.in acertain degree,The micro-finance ease of access to funds in the process of the ruraleconomic problem, from a certain extent, It is ease the national poverty reliefpressure.Micro-finance was a methodology providing continuing financial services tothe farmer. But small credit loan has such characters as unsecured, less collateral, smallamount,in addition to the general loan risk,The micro-finance is also characteristic ofagricultural financial risks,Due to the particularity of the rural microfinance market,between microfinance institutions and farmers serious information asymmetry,Plusfarmers small loans in China credit evaluation system is imperfect, select the creditindex factors such as lack of unified standard.The perfection of the system of thefarming household guarantee and the establishment of the agriculture insurance systemare effective ways to lower the risk of the agriculture loan,to heighten the rural creditcooperatives and the farming household’s enthusiam to invest in agriculture and toadvance the progress of the industrialized agriculture.。In this article adopts the way of theory analysis combined with empiricalanalysis.Based on an introduction of relevant theory about micro-finance, Through theanalysis of farmers microcredit business risk,Draw on the urgency of the peasanthousehold credit risk evaluation and assess the necessity of the method must be quantitative,Then based on rough set attribute reduction for screening primaryindicators,After the screening index is calculated by adopting the method of the degreeof risk value,According to the size of the risk value to decide whether to make loans.establishing a measurement system of the risk evaluation;and suggesting that aquantitative method is necessary and helpful to control the credit risk inmicro-finance.The empirical results show that the model is used for credit riskassessment, and on this basis puts forward relevant policy Suggestions.