基于Logit法的我国农村小额贷款公司信用风险评分模型构建研究

小额贷款公司伴随我国农村新型农村金融机构的建立应运而生，在扶持低收入群体、支持农村金融发展、实现小康社会等方面发挥了至关重要的作用，也逐渐形成适应我国“三农”发展的具有中国特色的小额信贷新方式。在发展过程中，由于其自身特殊性信用风险问题日益浮出水面，严重影响小额贷款公司的健康持续发展。通过LOGIT模型的构建，展开实证分析，有效评估信用风险，预测未来风险，针对评估结果对小额贷款公司的风险管理提出建议，促进小额贷款公司的健康发展，以更好的姿态支持我国农村金融的快速发展与完善。

A Study on the Credit Risk Rating Model Construction of Rural Microfinance Company Based on Logit Model

Small loan companies, which have played a crucial role in achieving well-off society, have gradually developed a new type of micro-credit suitable for the development of three rural issues of China. However, in their development process, due to their own particularity the issue of credit risk has drawn people＇s attention, seriously affecting their sustainable development. A Logit model is built in the study to make an empirical analysis, assessing the credit risks and predicting future risks, so as to put forward suggestions for the healthy development of small loan companies and the rapid development and perfection of China＇s rural finance.