【摘要】 分析了当前农村信用社对农户进行小额贷款时信用评估的现状及存在的问题,结合农户贷款的特点,构建了基于决策树算法的农户小额贷款信用评估模型,并对信用评估模型进行了实证,表明模型具有较好的预测效果,从而提高了农村信用社农户小额贷款业务的信用风险管理水平。更多还原

【Abstract】 The current credit for rural farmers in the small loan credit evaluation status and problems were analyzed.Combined their credit characteristics,the algorithm based on the decision of the peasant small loans and credit evaluation model of credit assessment model was structued,wrich has a good effect.The forecast increase the peasant small loans by rural credit for credit risk management standards.更多还原