农户小额信用贷款信用评级探究  

Probe into the Credit Degree Appraisal of the Micro-Credit for Farmer

作　　者：胡愈[1] 许红莲[1] 王雄[2] 

机构地区：[1]湖南商学院工商管理系,湖南长沙410205 [2]中南大学商学院,湖南长沙410083

出　　处：《财经理论与实践》2007年第1期30-33,共4页The Theory and Practice of Finance and Economics

基　　金：教育部博士点基金资助项目(20030533017);国家社科基金资助项目(06BJY109)

摘　　要：农户信用等级评定是推行农户小额信用贷款的一项核心工作。从我国小额信贷的实践出发,建立农户信用等级评价的指标体系,应用模糊数学构建农户信用等级的模糊综合评价模型,利用不确定层次分析法确定指标权重,为农户信用等级的评定提供一套科学可行的方法。通过案例分析,表明该方法在实际运用中是有效的,具有实际应用价值。It is a crucial step to appraise the credit degree of the farmer during the process of carrying out the RCCs MC（micro- credit of the rural credit cooperation）. Proceeding from the practice of the micro- credit in China, this article sets up an index system of comprehensive appraisal to farmers＇ credit degree. It also sets up a fuzzy comprehensive appraisal model of farmers＇ credit degree based on fuzzy mathematics and confirms the index system based on the uncertain type analysis of hierarchy process （UTAHP）, which offers a set of feasible methods for appraising the farm households＇ credit degree. Finally, an illustrative example is given to clarify the effectiveness of the set.

关 键 词：农户 小额信贷 不确定层次分析法(UTAHP) 模糊综合评价(FCA) 

分 类 号：F830.58[经济管理—金融学]