Study On Farmers' Credit Evaluation Method In Agricultural Industry Chain Financing

Due to the agricultural industry foundation is weak, the agricultural industry issmall, scattered, low income of agricultural production, agricultural production cycleis long, natural risks; at the same time, the rural credit consciousness, overall creditenvironment, poor farmers credit related law still is not perfected, informationasymmetry between credit institutions and farmers, loan defaults nature also becameroutine. Traditional small loans and farmers group lending support agriculture loan inalleviating rural finance market credit supply and demand contradictions have playeda role, but in the aspects such as system design, operation specification and promotionprocess is difficult to effectively solve the problem of credit cost is high and the risksand benefits of asymmetry in rural finance.Agricultural industry chain financing can reduce credit agency cost andtransaction cost of information collection; and also can solve the problem of the risksand benefits and asymmetry. so this paper attempts to analysis the credit risk from theperspective of farmers agricultural industry chain financing, firstly we discussedtheoretically from the mechanism of financing the agricultural industry chain,summarized the characteristic agricultural industrial chain financing mechanisms;then this analyzing and refining farmers under credit risk based on agriculturalindustrial chain financing mechanisms; secondly, we build credit index systemfarmers under the agricultural industrial chain financing based on farmers credit riskfactors under the agricultural industry chain financing; then, using screening methodto select the key indicators and indicators, and give each index credit weight using acombination method,and then using non-parametric mathematical model to evaluatethe credit of households. in this way household survey data can do select case studyto illustrate the agricultural industry chain financing farmers under the credit level isbetter than the level of the individual farmer credit; lastly, we given the actual finallytargeted policy recommendations.Based on the agricultural industry chain financing and studying existing peasanthousehold credit risk evaluation, this paper analyzed farmers’ credit risk in theagricultural industry chain financing, we added the agricultural core enterprisestrength and overall operating status indicators agriculture industry chain, weimproved and supplied the peasant household credit risk evaluation index systemfrom the Angle of agricultural industrial chain financing, to research the key creditrisk factors of farmers,we used expert group decision characteristic root method of screening of peasant household credit model under the agricultural industrial chainfinancing.Introduced the combination of the relative entropy evaluation method forthe empowerment of peasant household credit, we applied the ideas of thecombination of the relative entropy empowerment in peasant household credit indetermining the index weight,the method calculated the geometric average of theobjective and subjective values, this method is a combination of both subjective andobjective weights way of information, and also can reduce due to the error of therandom factors such as data sample. This is also the method of the combination of therelative entropy empowerment firstly used on peasant household credit weighting, itbetter solved the under the problem of peasant household credit risk weighting underagricultural industry chain financing, the research of farmer credit evaluationweighting method provides a train of thought. On the selection of evaluation model,we introduced the unascertained measure model into comprehensive evaluation of thecredit risk of peasant household under the agricultural industry chain financing,through the establishment of the index of the unascertained measurementtrigonometric function, the function put the dimensional inconsistent indicators datainto a consistent vector, in this way,the empowerment of the comprehensiveevaluation vector can recognize its credit rating, the unascertained measure model notonly can the dimension of peasant household credit risk index comprehensiveevaluation, can also handle hard to quantify the qualitative index data, for the peasanthousehold credit risk evaluation, this paper is a beneficial attempt in the method.