一种创新型的农户信用评价方法——基于安徽省长丰县农村信用体系建设的实证研究

An Innovative Method of Credit Evaluation of Rural Households——An Empirical Study Based on the Construction of Rural Credit System in Changfeng County,Anhui Province

以安徽省长丰县农村信用体系建设的实践为例,全面融合政府数据、农户水电数据、运营商数据以及农户自主上报数据,建立科学合理的农户信用评价指标,并首创性提出以Logistic回归模型为主体并辅以AHP层次分析法进行决策调整的创新型评价方法,解决农村金融机构在农户贷款中的信息不对称问题,有效改善了农户贷款难的现状。

Taking the practice of rural credit system construction in Changfeng county of Anhui province as an example,and based on a comprehensive integration of government data,hydropower data of farmer households,operators＇ data and credit report data given by farmer households,the paper develops scientific and reasonable evaluation indicators,and initially proposes the innovative evaluation method with Logistic Regression Model as the main body and Analytic Hierarchy Process（ AHP） as a support for decision making adjustments. The credit evaluation method solves the information asymmetry problem for extending farmer loans in rural financial institutions,and effectively improves the difficulty of farmers＇ loans.