The Design And Realization Of Rural Commercial Bank’s Credit Rating System Based On Neutral Network

For a long time,as the main force of the local finance supporting agriculture, rural credit cooperatives made a positive contribution to the development of "three agriculture". From 2004 to 2015, the central No.1 Document regarding development as major objective had been released for twelve years, which emphasized the "priority among priorities" status of the issues of agriculture in China’s socialist modernization period.At present, China has not really formed a sound rural financial service system, and peasant household credit evaluation method can not achieve the perfect state, and it was lack of a reasonable rural credit evaluation system.These seriously hindered the rapid development of the rural economy.In order to further carry out the central government’s agricultural policy, to promote the construction of rural credit system in the local area,to improve rural financing environment and credit environment and effectively solve difficult problem of the farmers ’ loan, rural commercial bank actively seeks a new way to solve difficult problem of the farmers ’ loan.First, it introduced the research background and credit rating research status of domestic and foreign credit,reviewed the basic theory of neural network and credit rating,then gave a brief introduction to the rating method of neural network.Based on the feasibility of the system, it has analyzed the farmers’ credit rating module of process analysis and system function.Then it c ompleted the design of farmer credit rating system from the data management m odule, credit evaluation module, comprehensive analysis module and system management module. At the same time, based on improving the farmers’ credit information database,it has constructed a set of systematic farmer credit evaluation index system by adopt ing objective credit evaluation method of the farmer.It implemented the process of Matlab neural network algorithm and the AForge.NET framework.After that, it has completed the test of farmers’ credit rating system.Finally it pointed out the problems whic h farmers’ credit rating models existed and put forward improvement directions, and then adjusted farmers’ credit rating models.