“乡村振兴”战略下农户信用评价体系构建---基于六安市城北乡的调查研究
投稿时间:2020-01-17  修订日期:2020-01-17  点此下载全文
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作者单位E-mail
林天水 巢湖学院 lintshui521@163.com 
中文摘要:开展农户信贷是建设农村金融的关键,完善的信用体系能够帮助农户获得贷款,减少相关涉农金融机构的烂账损失。文章以安徽省六安市城北乡农户为样本,从农户基本信息、经营状况、偿债能力、道德品格等四个方面构建信用评价体系,使用层次分析法分别对体系中的一级指标、二级指标建立模型,得出判断矩阵并计算各项指标的权重,再对矩阵作一致性检验。结果表明,有一半样本农户信用评分较低,而这与实际调查中农户家庭年收入较低、拥有的社会资本较少、从事单一的务农活动、信誉道德水平较低等情况相吻合。因此,推荐相关金融机构尤其是信用社对农户信用评价体系加以运用。同时,建议涉农金融机构推广信用抵押贷款、强化贷前审核机制、明确奖惩制度等,提高农户信用意识等措施,以期更好地为三农服务,助力乡村振兴。
中文关键词:农户信用  信用评价  层次分析法
 
Construction of Farmers'' Credit Evaluation System under the Strategy of "Rural Revitalization"--Based on the Investigation of Chengbei Township in Lu''an City
Abstract:The development of rural household credit is the key to building rural finance. A sound credit system can help farmers obtain loans and reduce the losses of related agricultural financial institutions. The article takes the farmers in Chengbei Township, Lu''an City, Anhui Province as a sample, and constructs a credit evaluation system from the basic information of farmers, business status, solvency, and moral character. The analytic hierarchy process is used to determine the first-level indicators in the system. The level indicator establishes a model, and the judgment matrix is obtained and the weights of each indicator are calculated, and then the matrix is tested for consistency. The results show that the sample farmers have half of the credit scores, which is consistent with the fact that the actual household income of the farmer households is lower, the social capital is less, the single agricultural activities are carried out, and the morality level is lower. Therefore, it is recommended that relevant financial institutions, especially credit unions, apply the credit evaluation system for farmers. At the same time, it is recommended that agriculture-related financial institutions promote credit mortgage loans, strengthen the pre-lending review mechanism, clarify the reward and punishment system, etc., and improve the credit awareness of farmers,In order to better serve agriculture, rural areas and farmers and help the rural areas to develop.
keywords:Farmer credit  credit evaluation  analytic hierarchy process
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