Microfinance Risk Assessment Of Peasant Households In Wenchang National Village Bank

Rural Banks are important agriculture-related institutions that develop inclusive finance in rural areas and support the development of "agriculture,rural areas and farmers".Their main customers are rural farmers and various agriculture-related small and micro enterprises.The government and village Banks have issued a series of policies to try their best to lower the threshold of micro-credit for farmers and solve the problem that farmers are short of funds in agricultural production.But due to the current village Banks of peasant household microfinance risk evaluation standard system is imperfect,leading to the current our country in most areas have a higher risk of peasant household microfinance,overdue and default frequency,so in this case the paper to explore the village Banks farmers microcredit risk assessment standards,build risk assessment model of concrete strong practical and realistic significance.This paper,based on the theory of 6 c bank credit evaluation personal qualities,debt paying ability,economic conditions,family,environmental conditions,such as agricultural insurance index of six class 28 secondary and subordinate indicators,then USES the AHP method,first select 15 microfinance risk control experts rated according to the AHP evaluation criteria,and then get small village Banks credit risk assessment model,the model results show that.(1)in the primary index,personal qualities,debt paying ability,economic status,family status,environmental conditions,the weight of agricultural insurance are:0.1326,0.2147,0.2147,0.191,0.0876,0.1592;(2)in the secondary indicators,the top 10 are the average annual total income and expenditure ratio of the family,the ratio of personal income and expenditure,income insurance,the number of effective labor force in the family,output insurance,current assets,other social debts,moral quality,agricultural production capacity and the difficulty of selling agricultural products.From the weight ranking of the above secondary indicators,it can be seen that the overall income and expenditure situation of farmers is of great importance to the prevention and control of the risk of peasant household micro-credit.The income and expenditure ratio directly determines whether farmers have extra funds to repay bank credit accounts.Based on the risk assessment model established in this paper,A rural household credit case of wenchang national rural bank was selected for risk assessment,and the assessment results were compared with those of the other 6 rural Banks in hainan province to verify the consistency of the results between wenchang national rural bank and the other 6 rural Banks.The comparison results show that 88.89%of the credit commissioners’ opinions are consistent with the results of this model,which indicates that the risk assessment model of rural household microfinance established in this paper has good effectiveness and availability.