FPR-UTAHP评价方法在农户小额信贷信用评级中的应用  

An Application of FPR & UTAHP in the Farm Households' Credit Degree Appraisal of the Micro-credit

作　　者：谭民俊[1] 王雄[1] 岳意定[1] 

机构地区：[1]中南大学商学院,湖南长沙410083

出　　处：《系统工程》2007年第5期55-59,共5页Systems Engineering

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(06BJY006)

摘　　要：从我国小额信贷的实践出发,建立了农户信用等级评价的指标体系,利用不确定层次分析法(UTAHP)确定指标权重。给出农户小额信贷信用等级中5个相对应的标准模糊状态向量,应用模糊数学构建农户信用等级的模糊模式识别模型,为农户信用等级的评定提供一套科学可行的方法。最后通过案例分析,表明该方法在实际运用中是有效的。From the practice of the microfinance in China, this article sets up an index system of comprehensive appraisal of farm households＇ credit degree. And considering the different importance of different index, index weight is decided by using uncertain type analysis of hierarchy process（UTAHP）. Giving 5 normal fuzzy state vectors corresponding with farm households＇ credit grades, It also forges fuzzy pattern recognition（FPR） model of farm households＇ credit degree based on fuzzy mathematics, 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 developed approach.

关 键 词：农户 小额信贷 贴近度 不确定型层次分析法(UTAHP) 模糊模式识别(FPR) 

分 类 号：F830[经济管理—金融学]