农户小额信用贷款风险及评价研究

面向亿万农民的农户小额信用贷款，在受到农民广泛欢迎和各级政府积极推进的同时，却日益明显地感受到了来自于农村信用社的消极作为；显然，这种完全基于农户信用的贷款，其风险以及难以把握的风险程度，是这种消极作为的根源。本文从农户小额信用贷款的风险分析出发，提出了“农户小额信用贷款风险的层次模糊综合评价”模型，旨在加强当地政府和农村信用社对于农户小额信用贷款的风险把握，最大限度的弥合此类贷款的供需矛盾。

Research on Risk and Evaluation of Farmers' Small Amount Credit

farmers' small amount credit loan facing up to billions of farmers is well liked by farmers and recommended by governments at all levels. However, it obviously suffers negative actions from local financial institutions (credit unions) at the same time. Based on farmers' credit, the loan' risk and uncontrolled risk degree is the source of negative actions. This paper starts from risk management of farmers' small amount credit, puts forward to the farmers' small amount credit risk model of hierarchical fuzzy ...