Research On The Influencing Factors Of Rural Household Credit Rating Of Gongyi Rural Commercial Bank

In its guidance on promoting the construction of rural credit system,the People's Bank of China pointed out that rural finance is the core of modern rural economy and an important force to support the service of "three peasants".To improve the rural credit environment and financing environment as the main content of the rural credit system construction work,not only related to the sound operation of rural finance,but also related to rural economic prosperity and farmers increase income.Farmer's credit rating is an important part of rural credit system construction,in recent years,the People's Bank has actively promoted local rural commercial banks to establish farmers ' electronic credit files,and studied the establishment of farmers ' credit rating system,and continuously promote the construction of credit households,credit villages and credit towns.This paper analyzes the present situation and problems of farmers ' credit rating in rural commercial banks in Gongyi,Henan province,and makes an empirical study on the influencing factors of farmers ' credit rating in Gongyi rural commercial banks by using the method of multivariate linear regression analysis based on field investigation data.In this paper,13 factors influencing the credit rating of farmers were selected,namely,the age of farmers,the degree of farmers ' education,the number of peasant households,the number of peasant households,the health status of peasant family members,the value of Farmers ' property,the value of peasant vehicles,the number of years of household assets,the total annual income of peasant households,Farmers ' deposits in rural commercial banks account for the proportion of income,the poor records of farmers and the social relations of farmers.It is found that the number of peasant households,the health status of family members,the value of real estate and the total annual income of households have a positive effect on the credit rating results of farmers,and the poor records of farmers have a negative effect on the credit rating results of farmers.Based on the results of empirical analysis and the actual situation of Gongyi,this paper puts forward the following countermeasures from the three angles of farmers,rural commercial banks and the government: for farmers,we should improve the enthusiasm of information investigation,improve the level of family income and employment,enhance credit awareness and overall quality,strengthen self-supervision and mutual supervision For rural commercial banks,we should standardize farmers ' information investigation behavior,strengthen publicity and guidance,improve farmers ' credit rating methods,increase the rating review link,innovate loan varieties and services,and establish farmers ' credit repair mechanism,and for the government,we should encourage financial institutions to share information,increase subsidies for agricultural production,improve agricultural insurance system,Improve the relevant laws and regulations system.The research on the influencing factors of farmers ' credit rating in rural commercial banks in Gongyi is of great significance to the enrichment and perfection of the theoretical basis of farmers ' credit rating in regional rural financial institutions,and also has a strong guiding significance for the smooth development of farmers ' credit rating work in rural commercial banks in Gongyi.