Research On Credit Risk Evaluation In Rural Bank Of DE

Since the rural bank is established in 2007,it has made certain contributions to solving the problem of insufficient supply of funds in rural areas,stimulating the activeness of rural financial markets,and solving the problems of agriculture,rural areas and farmers.However,the particularity of microfinance in rural areas and the irregularity of rural financial markets have caused huge risks to the credit business of rural banks.In the current environment,the rural banks urgently need to establish a scientific and reasonable credit risk assessment method to effectively guide the healthy development of the credit business of rural banks.On this basis,this study builds a credit risk assessment model for DE rural banks by combing the research results of domestic and rural banks and credit risk management at home and abroad.This paper first analyzes the status of credit risk management of DE rural banks,including credit business process,current policies of credit risk management,credit structure analysis,and analysis of non-performing asset structure.Then,based on analysis of the causes of credit risk,we identify the influencing factors of credit risk of DE rual banks.There are four factors including: repayment willing factors,repayment ability factors,agricultural environmental factors and internal factors of rural banks.And the indicator system for credit risk assessment of the 20 secondary indicators thus set.In view of the combination of qualitative and quantitative indicators,this study compares the existing credit risk assessment model and chooses fuzzy comprehension evaluation method to establish the credit risk assessment model of DE rual bank.Finally,we select 15 customers' s data to verify the credit risk assessment model constructed in this paper.The results show that the model has higher accuracy.