贵州省农户信用评价体系实证研究

农村信用体系建设是现代农村经济发展的基石。为推进农村信用体系建设，贵州省采用了两种模式：农信社模式和兴仁模式。随机抽取100位兴仁县农户作为样本，采用无量纲化及两配对样本T检验方法，得出样本农户在两种模式下信用评价结果相似的结论。兴仁模式由于兼顾了政府社会管理和涉农金融机构防范风险的需要．所以适用于涉农金融机构进行风险控制。

An Empirical Study on Farmer Credit Evaluation System in Guizhou Province

The rural credit system is the cornerstone of modern rural economic development. To promote rural credit system construction, two models have been applied in Guizhou Province, i.e. rural credit cooperative model and Xing Ren model. By randomly selecting 100 Xing Ren farmers as samples and using non-dimensional and two paired samples T-test method, a test conclusion is made that the sample farmer household credit evaluation results obtained in both models were similar. Owing to taking into accounts the government＇ s social management and agriculture-re- lated financial inalitutions＇ need to guard against the risk, the Xing Ren model suits agriculture-related financial in- stitutions for risk control.