STUDY OF FUZZY-CLUSTERING-BASED UNWEIGHTED FARMERS' CREDIT RISK ESTIMATION AND ITS APPLICATION

摘要

The development of economy in Chinese rural areas has given rise to a large number of new-type agricultural industry models represented by farmers' professional cooperatives. Then the financial linkage mode of bank + cooperatives + farmers emerged. However, in the implementation of this model, farmers did not repay their loans, inhibiting the sustainable development of the model. In this pa-per, a model and index system for the credit risk characteristics of farmers in this area was established based on the combination of fuzzy comprehensive model and fuzzy control method. Research data five farmer households from five professional cooperatives of 2007-2009 in Yanliang area of Shaanxi province was analyzed using this model. The research found that the farmers' credit risk in this region was on the middle level. Low credit risk is conducive to the issuance of loans and farmers financing. It is suggested to improve the education level, strengthen the technical training of farmers and speed up the scale of land, so as to raise the credit risk level of farmers.