Proceedings of the Sixth Symposium of Risk Analysis and Risk Management in Western China (WRARM 2019)

An Empirical Study on the Prediction of Farmers' Ability to Acquire Loans in the Yanliang District Based on Cloud Model

Authors
Jing Wang, Guangyin Hu, Libin Xiang
Corresponding Author
Jing Wang
Available Online September 2019.
DOI
https://doi.org/10.2991/wrarm-19.2019.13How to use a DOI?
Keywords
Farmers,rural Loan, Forecasting,Cloud Model
Abstract

Formal lending in rural finance is a powerful way to serve "agriculture, countryside and farmers" and the key to promoting rural economic development. Farmers’ demand for funds is expanding day by day. However, there are still some problems caused by information asymmetry in rural financial supply. Through the collation of 265 questionnaires of farmers in Yanliang, Shaanxi Province, and using Logistic model, this paper empirically analyzed the influencing factors of farmers’ household characteristics, production characteristics, material capital characteristics and social relations on their loan ability, so as to get the index system of loan forecasting. The cloud model is introduced to solve the fuzziness of some influencing factors. The ability of farmers to obtain loans is divided into five levels. The comparative verification shows that farmers have strong demand for loans but low satisfaction rate, and the financial products of banks need to be improved. At the same time, the model has certain practicability and reliability, which provides a method for farmers’ credit qualification evaluation.

Copyright
© 2019, the Authors. Published by Atlantis Press.
Open Access
This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

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Volume Title
Proceedings of the Sixth Symposium of Risk Analysis and Risk Management in Western China (WRARM 2019)
Series
Advances in Intelligent Systems Research
Publication Date
September 2019
ISBN
978-94-6252-793-5
ISSN
1951-6851
DOI
https://doi.org/10.2991/wrarm-19.2019.13How to use a DOI?
Copyright
© 2019, the Authors. Published by Atlantis Press.
Open Access
This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

Cite this article

TY  - CONF
AU  - Jing Wang
AU  - Guangyin Hu
AU  - Libin Xiang
PY  - 2019/09
DA  - 2019/09
TI  - An Empirical Study on the Prediction of Farmers' Ability to Acquire Loans in the Yanliang District Based on Cloud Model
BT  - Proceedings of the Sixth Symposium of Risk Analysis and Risk Management in Western China (WRARM 2019)
PB  - Atlantis Press
SP  - 69
EP  - 74
SN  - 1951-6851
UR  - https://doi.org/10.2991/wrarm-19.2019.13
DO  - https://doi.org/10.2991/wrarm-19.2019.13
ID  - Wang2019/09
ER  -