农户贷款信用风险评价与风险控制对策研究——以农行某支行为例.pdf

THE STRATEGIESOFCREDITIUSK ANDRISKCONTROLOFFARMERS’LOANS ～．ACASESTUDYOFABRANCHOF A BANKOFCHINA GRICULTURAL ABSTRACT Sincethe reformin Bankof joint-stock2007，Agricultural up the”threerural”businessmarket ithasbeenthe financialservices support．SO major inruralareasofour isa of organizations country．farmers’loans specialtyproducts therural a ABCto market．andhas sincethelaunch．Butthe gooddevelopment farmers’loansa loansrateinrecent causea keepshighnon—performing years，which 诧atemotiontofarmers’lOanS．Therefore．howtoevaluatethecreditriskoffarmers’ loans．controlthefarmers’loanscreditriskand the of bank ireprovequality credi％iS the tobesolvedtoABC． question This basistheresearchofacademicachievementsathomeandabroad．then paper elaboratethe andclassificationofthecreditriskoffarmers’ concept，characteristics tothe reasonsofthecreditriskof loans；accordingarising farmers’loans，the paper establishesthecreditriskevaluationindex offarmers’lOanSofABC．andthen system the uses evaluationtoestablishesacreditriskassessment AHP—fuzzycomprehensive modeloffarmers’lOanSof onthebasisofthedataof hasa ABC，and ABC．the