Research On Credit Risk Evaluation Of Farmer Loans

The rural market will be the blue sea of the future financial market,the "three rural" financial market will be the next new growth point.Since the state council of the CPC central committee proposed the construction of a new socialist countryside,all departments have responded positively from their own practical functions.In order to deepen rural financial reform and expand credit support for agriculture,rural areas and farmers,we must first improve the credit system of rural and rural households based on credit evaluation.Through the research and arrangement of a large number of literatures,it is found that there is room for improvement in the credit evaluation study of farmers.The indicators of domestic and foreign scholars mainly focus on: the basic situation of farmers,solvency or economic situation,personal conduct and other big aspects,but not a new breakthrough.According to the problem that A bank risk assessment results are not intuitive enough,subjective evaluation is too high,and index weight settings are too rough and simple.This paper,on the basis of existing research,by means of the Internet technology developing opportunity,through the different data sources and channels,in order to increase the personal information of mobile operators,it is to increase the analysis dimension of individual behavior to construct the credit evaluation index system,which can further supplement and improvement of peasant household credit risk evaluation index system.Then,logistic regression model was applied to model the loss rate of peasant households,and quantified the result output in the form of score card.Finally,through the comparison of the two risk assessment models of this paper and the existing risk assessment methods of A banks,The result is that the score card model with the mobile operator index is the best,and the model of the mobile operator's scoring card is medium,and the original A bank risk assessment method is the worst.Through a series of work above,the final research conclusion is that the personal behavior information dimension of mobile operators plays a significant role in improving the credit risk assessment of farmers' loans.It shows that the mobile operator information can be modeled and used as a reference index in the evaluation of farmers' loan risk.This study provides different ways and ideas for solving the problem of asymmetric information of farmers' loans,and provides an effective solution for credit risk assessment of farmers' loans.