信用缺失环境下的农户信用评估指标体系构建研究

The Index System for Farmers' credit Evaluation under the Circumstance of Credit Deficiency

通过调查某信用社713个农户的贷款记录,运用层次分析法(AHP)设计一套农户信用评估指标体系,通过层次单排序和层次综合排序确定各个因素层指标的权重,然后,选取权重值较大的9个指标作为神经网络模型(ANN)的输入层,利用AHP-ANN组合模型,最终得到农户的信用等级和信用评分。实证研究结果表明,这是一种信用缺失环境下进行农户信用评估的有效方法。

713 farmers＇ credit records in x credit union is investigated,then a farmers＇ credit evaluating index system is designed using AHP model.After each indicator weighted,the first nine indicators are selected as the input layer of ANN model,and using AHP-ANN combined model,farmers＇ credit level and credit scores are obtained.The result of empirical research has demonstrated that it is an efficient way to evaluate farmers credit under the environment of credit deficiency.