惠州市农户信用评价体系构建比较研究

A Comparative Study of the Construction of Huizhou Rural Household Credit Evaluation System

针对广东省农户信用信息系统和惠州市涉农金融机构提供的样本农户数据,分别运用层次分析法等4种评价标准和方法对其进行信用评价实证分析。结果表明,农户信息的有效采集是信用评价工作顺利开展的前提,且农户系统评价方法在广东省农户信用信息系统的综合表现最优。因此,推荐使用农户系统评价方法对惠州市农户进行信用评价。同时,建议地方政府建立支农助农风险补偿机制,对薄弱农业和贫困农户予以政策增信,降低金融机构的信贷风险和成本。

An empirical analysis is made on the sample data of rural household provided by in Guangdong province rural household credit information system and Huizhou city financial institutions involved with agriculture, by using four kinds of evaluation standards and methods, for example, AHP respectively. The results show that the effective collection of rural household information is the premise of credit evaluation, and the performance of rural household systemic evaluation method in Guangdong province rural household information system is the best. Therefore, it is recommended to use rural household system evaluation method to evaluate farmers＇ credit in Huizhou. At the same time, we suggest that local government should establish credit risk compensation mechanism for supporting agriculture and helping farmers and implement the credit enhancement policy for weak agriculture and poor farmers, so as to reduce the credit risk and credit cost of financial institutions.