Optimization Of Farmer Gredit Evaluation System In Poverty-Stricken Areas Of A Rural Credit Cooperative

The construction of rural credit system is the cornerstone of modern rural economic development.Perfect rural credit system construction can improve rural credit environment and financing environment,improve the effective use of credit resources,promote the development of micro-credit,accelerate rural economic prosperity and increase farmers' income.In recent years,the construction of rural credit system in China has developed rapidly,but there is still a big gap with the ideal function.Especially for poor areas,the economic characteristics of their farmers are weak assets and low income.However,the existing farmer credit evaluation system takes assets and income as the main indicators.It is difficult to objectively and scientifically reflect the credit status of farmer households,which leads to the difficulty for farmers in poor rural areas to obtain financial resources and restricts the economic development of rural areas.Accurate poverty alleviation is the top priority of the country's current poverty alleviation policy,and financial poverty alleviation is the key to accurate poverty alleviation.The practical problem that lies in front of us today is to enable targeted poverty alleviation to achieve targeted delivery,increase the sense of identity of helping people,and gain a sense of feeling.Therefore,the establishment of credit rating system aiming at the characteristics of rural households in poverty-stricken areas is of great significance to improve the availability of financing for rural households in poverty-stricken areas,to promote the material and cultural life of rural households in poverty-stricken areas,and to help precise poverty alleviation and inclusive financial development.A Rural Credit Cooperative is an important part of Sichuan rural financial system.With the support of national policy,the financial business of A Rural Credit Cooperative has been carried out in poor areas of Sichuan.At present,the existing credit evaluation system of Agricultural Credit Cooperatives A has too much emphasis on asset factors and subjective evaluation methods,which make it difficult to reflect the real credit of farmers.This makes the financial capital investment of Agricultural Credit Cooperatives A have certain limitations,the financial needs of farmers can not be effectively met,and the effect of precise poverty alleviation needs to be further improved.On the basis of credit theory,information asymmetry theory,principal-agent theory and financial poverty alleviation theory,drawing on the relevant experience of farmers' credit rating at home and abroad,this paper combines normative analysis with empirical analysis,and with the help of farmer credit data of A rural credit cooperative,investigates the phenomenon,reasons and the farmer credit needed to solve this problem.Some research has been done on the optimization of evaluation system.The full text is divided into five chapters,as follows:The conclusions of this paper are as follows:(1)There are some problems in the current farmer credit evaluation system of A rural credit cooperative,such as incomplete credit evaluation index,unscientific credit evaluation method and imperfect credit evaluation process;(2)On the basis of the original credit evaluation index and considering expected assets,it is expanded to include 21 indicators,including the basic situation of farmers,assets,production and operation,credit,social evaluation,policies and subsidies.(3)Establishing God.Based on the model of network and logistic regression,this paper uses the data of farmer loans in Gan-A-Liang area to make an empirical analysis,in which the prediction accuracy of neural network can reach 94% and that of logistic regression can reach85%.(4)The process of farmer credit evaluation based on the new index system and data mining algorithm is proposed.(5)Based on the empirical analysis,this paper puts forward corresponding suggestions for further improving the credit system of A rural credit cooperatives.Through the research of this paper,it provides a reference for the establishment of credit evaluation system for rural households in poverty-stricken areas,also provides directions and ideas for precision poverty,alleviationand has a certain application value.