农村金融是金融体系中最薄弱的一个环节，农户信用评级因为未能得到充分 的金融服务供给，由此未能形成具有标准化操作的、完全统一的农户信用体系。 同时，缺乏信用的信息积累和共享，使农民贷款仍然是非常困难的，因此一方面 我国农村金融发展水平一直得不到提高且水平较低，另一方面农村金融资源配置 得不到优化。在此背景下，政府和金融机构必须要完善和健全农村信用评价体系， 从而更好地提高农户的信用意识以及避免信用贷款因为缺乏抵质押物品而带来 的风险。因此A信用社秉承服务三农的宗旨和目标，积极投入到信用乡镇建设 的进程中，不断深化改革农户信用评级指标体系的建立。 在搜索、阅读以及整合农户信用评级指标体系构建和建模以及农村信用体系 建设相关文献的基础上，本文首先分析了研究背景以及研究意义，同时阐述和定 义了相关理论和概念。以A信用社为案例探究信用乡镇建设以及农户信用评级 指标体系搭建的现状，探究出信用乡镇建设进程中农户信用评级指标体系还处于 初级水平尚待健全；主观因素的影响比较大；指标设置太笼统、不全面等问题， 从而造成不精准的评价结果，然后采用信用乡镇建设中所采集的真实数据，对影 响信用评级的多项指标进行更迭和改良，利用专家判断法改善和重建A信用社 原有的指标体系，所形成的新指标体系包括5个一级指标和23个二级指标，然 后再利用层次分析法获得权重，由此设计出新的信用评级表。然后，本文将15 户和A信用社有贷款业务往来的农户案例的新旧指标评价效果进行对比，由此 获得新旧指标体系不同的评级打分结果，在解析结果差异性的基础上得出的结论 是新体系更加客观和更加科学。 本文对A信用社信用乡镇建设中的农户信用评级指标体系进行探究并提出 了针对性的优化方案，使信用评级指标体系的评级结果显得更加科学合理，从而 大大提高A信用社的评级工作效率。二是为信用乡镇建设项目提供了更科学的 信用评级方法，使信用乡镇建设项目更加完善。另外指出提高信息的精确度，健 全评级指标体系；使评级结果高效实施，加强评级结果的实际应用；加强宣传引 导提升农户信用意识的建议，从而使得A信用社在信用乡镇建设道路上能加快 步伐，农户信用评级体系构建得到显著性的优化效果。 关键词：信用乡镇建设；农户信用评级；评级指标体系；层次分析法； II Research on the optimization of a credit cooperative farmers' credit rating index system based on the construction of credit towns Abstract Rural finance is deemed as one of the weakest processes in the financial system. Since the rural credit rating fails to gain the sufficient financial service supply, it is unable to form the identical rural credit system with standardized operation. Meanwhile, due to lack credit information accumulation and sharing, rural loan still face difficulties. In this way, on the one hand, China’s rural financial development level cannot be improved and still remains the lower level. On the other hand, the rural financial resource configuration cannot be optimized. Under the background, the government and financial institutions must perfect and sound the rural credit evaluation system, so as to improve farmer’s credit awareness and avoid risks of credit loans caused by lacking the pledged objects. As a result, A Credit Cooperative upholds the purport and goal of agriculture, rural areas, and rural residents, positively indulges itself into the credit town construction process, and constantly deepens the construction of the rural credit rating index system. On the grounds of searching, reading, and integrating with relevant references about the rural credit rating index system construction and modeling, as well as the rural credit system construction, this dissertation first analyzed the research background and research significance, elaborated and defined relevant theories and concepts, explored the status of the credit town construction and rural credit rating index system based on A Credit Cooperative, and explored that the rural credit rating index system still remains the preliminary level and should be further sounded in the credit town construction process, showing some problems, including the large influence of subjective factors, ambiguous and incomprehensive index setting, so as to cause the inaccurate evaluation results. Next, this dissertation applied the real data collected from the credit town construction to update and improve multiple credit rating indexes, applied the expert judgment method to improve and reconstruct the original index system of A Credit Cooperative, formed the new index system with 5 first-level indexes and 23 second- level indexes, and then utilized the analytical hierarchy process (AHP) to gain the III weight, thus designing the new credit rating table. Also, the new and old index evaluation effects of 15 households with business contact of A Credit Cooperative were compared to gain the different rating scoring results of the new and old index systems, drawing a conclusion that the new system could be more objective and scientific on the basis of analyzing the result difference. This dissertation explored the rural credit rating index system in the credit town construction of A Credit Cooperative and proposed the specific optimization scheme, thus the rating result of the credit rating index system will be more scientific and reasonable, so as to improve the rating working efficiency of A Credit Cooperative. Besides, it also provided more scientific credit rating methods for the credit town construction projects, thus credit town construction projects would be more perfect. Also, it is necessary to improve the information accuracy, sound the rating index system, efficiently implement the rating result, reinforce the actual applications of the rating result, and reinforce propaganda and guidance to improve farmers’ credit awareness. In this way, A Credit Cooperative will speed up on the road of credit town construction. Also, the rural credit rating index system will get the significant optimal effect. Keywords: Credit town construction; rural credit rating; rating index system; analytical hierarchy process IV 目 录 摘要 ......................................................................................................... I Abstract ...................................................................................................... II 第一章 绪论............................................................................................... 1 1.1 研究背景及意义............................................................................................ 1 1.1.1研究背景 .................................................................................................................. 1 1.1.2研究意义 .................................................................................................................. 2 1.2研究内容及方法............................................................................................... 3 1.2.1研究内容 .................................................................................................................. 3 1.2.2研究方法 .................................................................................................................. 4 1.3研究思路及技术路线....................................................................................... 5 1.3.1研究思路 .................................................................................................................. 5 1.3.2技术路线 .................................................................................................................. 6 1.4国内外相关研究综述....................................................................................... 7 1.4.1国内外关于农户信用评级体系建设的研究 .......................................................... 7 1.4.2国内外关于信用评级影响因素及模型的研究 .................................................... 10 1.5相关概念及相关理论方法............................................................................. 13 1.5.1农户信用评估 ........................................................................................................ 13 1.5.2信用乡镇建设 ........................................................................................................ 13 1.5.3信用乡镇建设中的农户信用评级 ........................................................................ 13 1.5.4信息不对称理论 ..............