Rural micro-credit decision model based on principle of risk control

Abstract

Scientific and effective risk control is a core part of the implementation of agriculture-related loans business for micro-credit companies. In this paper, a rural micro-credit decision model is presented based on maximizing the expected rate of return while reducing the investment convergence. Use a unified multi-parent combination algorithm to solve the model and results show that the proposed method and model is scientific and easy operation which can provide a referential solving idea for decision management in micro-credit companies.