Study On Building The Risk Evaluation Index System Of The Microcredit Of Agricultural Small And Micro Enterprises

Agriculture is the basic industry of our country's national economy.In recent years,with the country's strong support,the quality and quantity of agricultural production has a dramatic improvement.But due to the geographical conditions,the differences of climate,historical reasons and the consideration of its own weakness,the agricultural production in our country is relatively scattered.Small-scale agricultural producers have been the main power of the agricultural production.Especially the small and micro enterprises,have become the most active force in the market.It is an extremely important role in the economic development,providing employment,technological innovation,etc.But due to their small size,less amount of assets,nonstandard financial data,and so on,the financing difficulties of agricultural small and micro enterprise have been a serious impediment to its development.Through combing the relevant literatures of the agricultural risk and risk management,agricultural microcredit and business risk evaluation index system,this article analyzes the concepts,classifications,characteristics,causes of various elements and some related theories,then analyzes the external environment in our country and its own condition of the agricultural small and micro enterprises' microcredit.The author thinks that to solve the financing difficulties of the agricultural small and micro enterprises,we should eliminate the information asymmetry between financial institutions and enterprises for the first.One of the ways to solve this problem is to build an agricultural risk evaluation index system which is suitable for the small and micro enterprises,so that the agricultural financial institutions can evaluate loan risk more objectively.Consulting the construction principle of general risk evaluation index system,and according to the general steps of the Analytic Hierarchy Process(AHP),the paper builds a risk evaluation index system which contains 24 indexes of 7 factors first,then gave a comprehensive assessment on the basis of the risk evaluation index system.After the formation of the comprehensive evaluation method,the paper uses the risk evaluation index system combined with A animal husbandry company to carry out a comprehensive evaluation of the risk of small loans,using quantitative method to evaluate A animal husbandry company's credit rating and project risk.Finally,the above research contents are summarized and the conclusion is drawn.The application of the research results and the future direction of further improvement is also prospected.