构建农村信用社农户信用评级体系初探  

A Preliminary Approach to Establishing Farmer Household Credit Rating System in Rural Credit Cooperatives

作　　者：王树娟[1] 霍学喜[1] 何学松[1] 

机构地区：[1]西北农林科技大学经管学院,陕西杨凌712100

出　　处：《金融理论与实践》2005年第10期38-40,共3页Financial Theory and Practice

基　　金：陕西省软科学研究计划项目:构筑现代农业体系战略研究(项目编号:2003KR31)

摘　　要：建立十个农户信用等级分析指标,每个指标划分5个档次,通过专家打分方式,用算术平均数计算出农户每个指标的得分,最后综合计算出农户的信用得分,以确定农户等级。该方法不仅可以得出农户的综合信用等级,而且可以清楚明了地看到农户每一个指标的得分情况,为信用社作出科学、合理的信贷决策提供了重要的参考。At present, it is of great necessity for rural credit cooperatives to establish farmer household credit rating system. Our tentative plan may be described as follows： setting up l O farmer household credit analytical targets; each target including 5 grades; experts giving scores; figuring out every, target＇s score by applying arithmetic averages; determining each farmer household＇s credit rating according to his /her composite credit score. This method may not only help us understand farmer household＇s composite credit rating but also make us see clearly every target＇s score obtained by farmer household, which naturally provides useful reference for credit cooperatives＇ scientific and reasonable credit decision-making.

关 键 词：信用指标 信用打分 信用等级 

分 类 号：F830.6[经济管理—金融学]