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首页> 外文期刊>Journal of software >A Credit Risk Evaluation Index System Establishment of Petty Loans for Farmers Based on Correlation Analysis and Significant Discriminant
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A Credit Risk Evaluation Index System Establishment of Petty Loans for Farmers Based on Correlation Analysis and Significant Discriminant

机译：基于相关分析和显着判别的农民小额信贷信用风险评价指标体系的建立

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摘要

By the end of 2011, agricultural population inaccounted for 48.73% in China. Also, farmers in China aredispersed and their financial information is incomplete,which leads to credit risk evaluation system of farmers inChina is not sound at all. Most Chinese banks even have notestablished the rating system, so farmer credit risk ratingsystem pressed for solution. This study proposes an indexscreening method based on correlation analysis andsignificant discriminant. The proposed method isdemonstrated using the 2044 petty loans for farmers of aChinese state-owned commercial bank’s. The resultsdemonstrate that the proposed method can accuratelyscreen the indicators, which can effectively distinguishdefault customers from non-default ones. Moreover, theresults of an empirical study showed that “Loan purpose”,“Expenses/ incomes”, “Increasing rate of regional GDP”are the key indicators to distinguish default customers fromnon-default ones.
机译：截至2011年底，中国农业人口占48.73％。另外，中国农民分散，财务信息不完整，导致中国农民信用风险评估体系不健全。多数中资银行甚至还没有建立评级体系，因此农民信用风险评级体系迫切需要解决。本文提出了一种基于相关分析和显着判别的指标筛选方法。通过向一家中国国有商业银行的农民提供2044笔小额贷款来演示该方法。结果表明，该方法可以准确筛选指标，可以有效区分默认客户和非默认客户。此外，一项实证研究的结果表明，“贷款目的”，“支出/收入”，“地区GDP增长率”是区分违约客户和非违约客户的关键指标。

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