Research On Improvement Of Rural Household Credit Rating System Of M County Rural Commercial Bank

The People's Bank of China pointed out in its guidance on the promotion of the construction of the rural credit system that rural finance is the core of the modern rural economy and an important force for supporting and serving the "three rural issues." Doing a good job in the construction of a rural credit system that focuses on improving the rural credit environment and financing environment is not only related to the stable operation of rural finance,but also related to rural economic prosperity and farmers' income increase.Farmer credit rating is an important part of the construction of the rural credit system.In recent years,the People's Bank of China has actively promoted local rural commercial banks to establish electronic credit files for farmers,and has studied the establishment of a credit rating system for farmers..The Rural Commercial Bank of M County has initially established a credit rating system for farmers in 2004.This system has been in use for many years.At present,it has shown certain deficiencies in the rating procedures and indicator systems.especially important.This article uses theoretical analysis combined with descriptive statistical analysis to first explain the three main problems in the existing rural household credit rating system of M county agricultural and commercial banks,and then takes the rural households of M county agricultural and commercial banks that have issued loans as the research object.Select 3700 rural household loan data as a sample,combined with the study of domestic and foreign existing research results in the field of rural household credit rating indicators,select30 indicators in five aspects of personal and family characteristics,debt solvency,reputation status,operating capacity,cooperation status As an independent variable,a logistic regression model was used to analyze the data of 3,300 household samples and 400 household samples for testing.The research results show that: 19 rating indicators,such as age and highest education level,have a significant impact on the probability of loan default of farmers.The new rating model has an overall prediction accuracy of 81.2% for training samples,85.3% for testing samples,and normal customers.The recognition accuracy rate is as high as 95.3%,and the recognition accuracy rate for default customers is 82.3%.From the data,it is shown that the new model has achieved better results.Based on the research results and the actual use value,this paper proposes three measures to improve the credit rating system of the rural households in the M County Rural Commercial Bank.Based on the development status of the rural households' credit rating system in M County Rural Commercial Bank and the goal of improving the rural households' creditrating system,this paper derives a new method of rural households' credit rating based on logistic regression,which enriches and improves the theoretical basis of the rural households' credit rating in rural financial institutions Has played an important role in promoting.In addition,it also has a strong guiding significance for the smooth development of the credit rating of rural households in M County Rural Commercial Bank.