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Author(s): |
Hong Wang, Shenyang Agricultural University School of Economics and Management, Shenyang, China, 110866;Northeast Agricultural University, Harbin Heilongjiang, Harbin, China, 150030
Pengjun Dai, Shenyang Agricultural University School of Economics and Management, Shenyang, China, 110866 |
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Abstract: |
The root of sub-prime crisis is the subprime loans of weak foundation, and micro-credit may face similar subprime loans’ risks. Post-crisis era strengthens the management of micro-credit risk, which is very important for maintaining of sound business of micro-credit institutions, and promoting the sustainable development of micro-credit. As farmers’ micro-credit does not need collateral and guarantees, which is increasingly important for the measurement of risk and identification. By the relevant analysis of national statistical data, this paper analyzes our country's rural credit risk, and it will support vector machine model used in rural micro-credit risk identification, and make policy-oriented suggestations to prevent risks.
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