Peasant Household Credit Risk Assessment Research In The Process Of P2P Lending To Help The Farmers

Countries in recent years issued policy documents and boost rural economic development. However,the development of the "three rural" financial support is ins ufficient,the phenomenon that getting loans is difficult for farmers is still widespread,becoming a problem to be solved.Because their own reimbursement ability is not enough,difficult to have the eligible collateral,people need to loan having the wide range,geographical dispersion,small loans,so it is difficult to get timely loan from financial institutions.On the exploration of the various cross,cross-industry financial innovation of the service and the development of the Internet financial,inancial disi ntermediation trend of increase,a new P2 P model of the credit to help farmers gradually developed.As in the traditional financial system of the new financial innovation,not only have strong support from the the counryt,becoming the effective realization form of the service "three rural",also in competition with the traditional financial development,but also promoting the innovation and development and extension of the traditional financial development.However p2 p platform in the rapid expansion and development at the same time,the problem also gradually revealed, the collapse of platform and the risk can not get effective control, seriously hindered the healthy development of the industry as a whole.At first,this paper analyzes the current p2 p platform mod el,selected the typical representative of Liu Jin,You Li network,RenRen and so on,establishing in the earlier time, having larger volume for key analysis,and find a committed to the development of the rural credit market pterosaurs loans,such as Yi Long,Dai Bang and Yi Nong platform,which are formed by the analysis on the characteristics of the borrower,farmers unique mode,pointing out that p2 p platform in helping farmers credit loan problems and advantages, and through the analysis,credit risk is a p2 p platf orm problems to be solved in the course of development,this paper using artificial neural network model of farmer credit risk evaluation system to build,and according to the analysis of the model and the p2 p platform of credit to help farmers in the proces s of actual operation objective problems putting forward the corresponding countermeasures and suggestions,helping emerging financial services model towards a more standardized and legalized way,eventually for poor farmers to provide better service the loan.