基于F检验的模糊聚类小额农贷信用风险预测

Prediction of Credit Risk of Micro-loans to Farmer by Using Fuzzy Clustering Based on F Test

信用风险是贷款业务中的关键问题。对贷款农户的信用风险进行预测分析是搞好小额农贷业务的关键环节。笔者利用模糊聚类对农户进行软分类,并应用F检验找出合理分类,建立了小额农贷信用风险预测模型。实验表明使用该方法能取得较好的效果,具有良好的应用前景。

Credit risk is a key issue in the bank loans,therefore,the prediction of credit risk of offering loans to farmers is very important in the business of micro agricultural loans.The author adopts the fuzzy clustering to conduct a soft classification of farmers,searches for a reasonable classification by using F test and constructs a model for predicting the credit risk of micro agricultural loans.The experiment results indicate that the method achieves good results and has bright application prospects.