The Research Of Microfinance Credit Evaluation Index System

Three problems about countryside, agriculture and farmers have become the concern of the first central document for consecutive ten years.At present. To solve these issues, financial support, particularly micro-finance support is becoming more and more important. It will not to see,good development of Micro-finance means much to solving poverty、increasing the employment rate and starting a business.It will also help to develop the rural finance and to decrease the rate of poverty Well develop the micro-finance quickly becomes a problem that many scholars want to solve. This paper strats from the person that the micro-finance serves, using AHP to establish the micro financial credit evaluation index system to quantify the borrower’s credit situation, and reduce artificial arbitrariness of lending and error and finally achieve the purpose of controlling and reducing the risk of micro-finance institutions. AHP selects including35bottom indicators of four-level indicators to build the micro-finance credit evaluation index system. To weights and to test consistency of all levels of the indexes, the principle of AHP and yaahp software is used in this article and finally completes the entire index system. The complements of the system is used to promote the healthy development of micro-finance. In the fourth chapter of the article, the author in, according to the previous theoretical basis and the characteristics of three problems about countryside, agriculture and farmers, the author use35bottom indicators of four-level indicators to build the micro-finance credit evaluation index system, and then the article use the principle of AHP and software yaahp to weights various indicators and checks the consistency, works out a particular individual micro-finance credit evaluation calculation formula and finally complete the whole establishment of the index system. To test the maneuverability and scientificity of the evaluation system, with reference to the relevant legal provisions and departments, this paper selected the relevant information and data of Chizhou Anhui province, the relevant provisions of the designated40grading standard bottom index, in the way of questionnaire eight experimental samples’related information and data, to the empirical test of index system and to demonstrate the feasibility and scientific; at the end of this article, the author gives some advice for reference on the basis of related problems which this micro-finance credit evaluation index system has reflected.