农户信用评价指标体系构建——基于河南省X市农村信用社的实证研究

摘要

Taking the practice of farmer microfinance extended by the rural credit cooperatives in X city of Henan province as an example, the paper establishes a farmer credit evaluation indicator system correspondingly, conducts an empirical research by using Logistic regression method, and provided a set of scientific and feasible indicator sys-tem for farmer credit evaluation.The research is aimed at easing farmer' s lending difficulty and effectively impro-ving risk control and management for the rural credit cooperatives, so as to better boost the development of local farmer microfinance business and drive the local economic growth.%以河南省X市农村信用社农户小额贷款的实践为例,建立了因地制宜的农户信用评价指标,并通过Logis-tic回归方法进行实证研究,为农户信用评价提供一套科学可行的指标体系,旨在缓解农户贷款难问题,同时也能有效地提高农村信用社的风险控制管理,更好地促进当地农户小额贷款业务的发展,带动当地经济的增长.