Abstract :
No matter you poor or rich, you can secure a bank loan, except your credit is very low; credit is an important factor influencing the rural credit. The traditional model of credit evaluation, adopted in China´s rural financial institutions at present, neglected the factors from the different contribution of indicators, social relationship capital etc., which leads to a great deviation from the accurate value. In this paper, on the foundation of the more reasonable index system of farmer´s credit evaluation, we improved some aspects on the traditional principal component analysis, such as dimension, reverse index, nonlinear and so on. By using the uncertain type analysis of hierarchy process (UTAHP) we decided the first-level index weigh. The problems of current farmer´s credit evaluation were overcame to offer an improved model, which will bring about a more practical significance.
