Optimization For Credit Rating System Of Peasant Household Microcredit Project In Lanzhou Rural Commercial Bank

Peasant household microcredit project is not only an important aspect of the rural financial development,but also an important guarantee of promoting peasant household production and business operation activities.In the practice of peasant household microcredit project,it is very important to establish perfect peasant household credit evaluation system,which can not only provide the judgment basis for rural financial risk avoidance,but also help peasant household regulate their own behaviors within the credit range.Lanzhou rural commercial bank for the purpose of service "three rural",which actively carries out peasant household microcredit project.However,it is too old about the index system of microcredit project,and there are some problems such as large influence of subjective factors,lack of certain key indicators and unreasonable evaluation results.Therefore,it is necessary to improve and optimize the system,which guarantees the Peasant household microcredit project smoothly.Based on the theories of financial risk management and credit rating,this paper analyzes the operation process,management mode and credit rating system of Lanzhou rural commercial bank,and summarizes the main problems and defects about the credit rating system.On this basis,the paper combined with the practice of peasant household microcredit project in recent years,using expert consultation method,5 c elements analysis method and analytic hierarchy process(AHP)to determine the influence of peasant household credit index,construct the new credit rating system,determine the weight of each index,and it is concluded that the optimized peasant household credit rating system.Finally,the paper selects three types of 15 representative peasant household cases and evaluates them by using the original indicator system and the optimized indicator system respectively.The results show that the optimized index system has the characteristics of more comprehensive index,more reasonable weight and more accurate and reliable evaluation results.This paper optimizes Credit Rating System of Peasant Household Microcredit Project in Lanzhou rural commercial bank,the main value lies in two aspects.One is to use scientific and effective methods to re-establish the index system and determine the index weight,so that the credit rating system is more objective and fair,and the rating results are more reasonable and reliable.Second,it provides quantitative basis and method support for the credit rating of farmers and the credit risk management of farmers,and provides technical guarantee for the long-term development of Peasant household microcredit project in Lanzhou rural commercial bank.