The Study On The Construction Of Farmers Credit System In Wuyi County Of Hebei Province

"Three rural issues" have always been important issues affecting the economic development of our country,over the years,documents formulated by the Central Committee of CPC taking the three rural issues as the core,include all the key and difficult problems encountered in the construction of new socialist countryside in China.One of the main causes of these problems is the weak foundation and slow growth of the rural economy.In a long period at present and in the future,to further promote the construction of rural credit system is an important guarantee to solve the financial institutions "credit crunch" problem,and to realize a good docking of farmers' financing demand to financial services supply,and also an important way to speed up the development of rural economy.In this paper,concepts and theoretical basis related to the construction of rural credit system have been defined and elaborated.The main factors influencing the construction of rural credit system are analyzed through literature review and survey research methods.Then,this paper puts forward corresponding countermeasures and suggestions from two aspects of financial institutions and government departments.And provides thinking and direction to solve the existing difficulties of promotion and application in the construction of rural credit system.At the same time,according to the practical problems that Wuyi County rural credit system construction is lack of scientific evaluation indexes,collects the basic situation of loaning farmers in the form of a questionnaire,determines rural credit evaluation indexes by statistical analysis method,constructs the rural credit evaluation system by AHP,and verifies scientificity and effectiveness of the evaluation systemizing the method of empirical test,so as to provide a theoretical basis to reduce farmer loan default rate and alleviate the problem of loans to farmers.This paper has certain theoretical and practical significance to a better development of farmer credit evaluation,the promotion of the rural credit system and the optimization of rural credit environment.