贵州省两种农户信用评价体系的比较研究  

Comparative Study of Two Kinds of Farmer Credit Evaluation System in Guizhou

作　　者：陈捷[1] 陈鹏[1] 李媛[1] 

机构地区：[1]中国人民银行贵阳中心支行,贵州贵阳550001

出　　处：《区域金融研究》2014年第6期58-61,共4页Journal of Regional Financial Research

摘　　要：目前贵州省有两种模式推进农户信用评价体系建设:一种是农村信用社根据其业务需要推动建立的农信社模式;另一种是兴仁模式,由人民银行为主导搭建所有涉农金融机构可以共享的平台,多方参与,并且增强政府社会管理功能。本文在兴仁县随机抽取100位农户作为样本,通过两配对样本T检验方法,验证结果显示,样本农户在两种模式下的信用评价结果相似,兴仁模式是适用于涉农金融机构进行风险控制的统一模式。There are two modes of Farmer Credit Evaluation System in Guizhou province： one is promoted by rural credit cooperatives according to their own business mode, the other is XingRen mode, which is promoted by the PBC, shared by all agricultural financial institutions, with multi-party participation, to strengthen the government social management function. This article uses 100 farmers＇ data in XingRen county as sample, through two paired sample T- test method, the verification results show that sample farmers in two modes are of a similar credit evaluation results. XingRen mode is the unified platform applicable to the risk management for agricultural financial institutions.

关 键 词：农户信用评价体系 信用 T检验 

分 类 号：F830.61[经济管理—金融学]