农户信用评级体系构建的理论与实践

The Theory on Building the Farmer Credit Rating System and the Practice

本文针对当前农银信息不对称、农户信用评级缺乏科学统一的标准和有效的评级算法问题,构建了农户信用评级指标体系,并根据指标之间的依存关系构建了指标网络图模型。对定性指标进行了差别化的定量处理,通过改进的极值变换法对定量指标进行标准化,采用网络分析法(简称ANP)计算各级指标的权重,通过权重与具体指标值的线性加权计算出农户的信用度,从而建立了完整的农户信用评级算法。以此算法为核心,开发了农户信用信息综合评级系统,总结了该系统在庆阳市辖区两年来的推广应用方法,验证了评级算法的有效性、可行性和科学性,实现了金融机构之间农户信息共享和评级标准的统一性。

The paper builds a system of the farmer credit rating aimed at the problems such as the information asymmetry between banks and farmers, lack of scientific unified standard and effective algorithm of the farmer credit rating, and constructs an index net- work graph model according to the interdependent relationship among index. The paper makes a differentiate quantitative processing for the qualitative indicators, standardizes the quantitative indicators by improving the extremum transformation method, calculates the weight of the indexes at all levels by using ANT, and establishes the complete algorithm of the farmer credit rating through calculating the creditworthiness of farmers with specific parameter values of linear weighted by weight. Based on the algorithm, the farmer credit information comprehensive rating system is developed. The paper summarizes the application method of the system in Qingyang mu- nicipal district in the past two years, verifies the effectiveness, feasibility and scientific nature of the rating algorithm, and realizes the farmer information sharing among financial institutions and the unity of the rating standard.