Research on the Model of Household Credit Risk Evaluation of Rural Microfinance

• 来源期刊: 亚洲农业研究：英文版
• 学科: 经济
• 关键词: RURAL MICROFINANCE CREDIT RISK CATASTROPHE THEORY
• 年，卷（期）: 2011,（10）
• 页码范围: 54-57
• 页数: 4页
• 分类号: F832.43

摘要

Since rural microfinance is a credit which grants loans without collateral and guarantees to farmers,it is considerably important to evaluate and control the household credit risk.Through establishing the evaluation index system and then using catastrophe progression theory,three common types of catastrophe system and the normalization formula,we get the comprehensive evaluation.Finally,we take the empirical test and the result shows that this method is simpler and more objective which can be used by the credit cooperatives to decide whether to authorize the loans.