| 转型发展背景下农户信用评级的创新路径研究 |
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| 引用本文： | 程鑫,;石洪波.转型发展背景下农户信用评级的创新路径研究[J].河南金融管理干部学院学报,2014(9):45-48. |
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| 作者姓名： | 程鑫 ;石洪波 |
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| 作者单位： | [1]山西财经大学统计学院,山西太原030002; [2]山西财经大学信息管理学院,山西太原030002 |
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| 基金项目： | 中国社会科学基金项目（12CTJ006）; 山西省自然科学基金项目（2014011022-2）; 山西省研究生创新项目重点项目（20133087） |
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| 摘 要： | 转型发展背景下,农户出现了分层化的特点,同时农户的信用格局也发生了转变。在中国整个金融市场的发展进程中,农村金融市场的信贷安全问题目前仍然比较严重。针对当前我国转型发展中农户的特点来选取指标并进行筛选,同时结合数据特点选取专家判断、数据挖掘等方法构建评级模型,提高转型发展背景下农户的信用评级效果,解决农户和金融机构间信息不对称问题。
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| 关 键 词： | 转型发展 农户信用评级 评级模型 信息不对称 |
Study on the Innovation Path for Farmer Credit Rating in the Context of Transition Development |
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| Institution: | CHENG Xin, SHI Hongbo (1. School of Statistic, Shanxi University of Finance and Economics , Taiyuan , Shanxi 030002 , China ; 2. School of Information Management, Shanxi University of Finance and Economics , Taiyuan , Shanxi 030002 , China ) |
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| Abstract: | In the context of transition development, there emerged the trend of farmers stratification, while the setup of farmer credit has also undergone a transformation. In the development process of China＇ s entire financial market, credit security problems for rural financial market are still rather serious. The rating model is established by selec- ting and sifting indicators in response to the current characteristics of farmers, combined with the characteristics of the selected expert judgment data, data mining and other methods, so as to raise the effect of farmer credit rating in the context of transition development and solve the asymmetric information problem between farmers and financial institutions. |
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| Keywords: | transition development farmers credit rating rating model asymmetric information |
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