农村小额信用贷款在我国农村取得巨大成就的同时,这项制度也出现了很多问题。这篇文章针对农村小额信用贷款实践中存在的问题,从对影响农户信用状况的五个因素出发,通过建立一个简单的模型,对它们进行量化处理并进行计算,得出农户的还贷概率,并根据还贷概率的高低评价农户的信用高低,从而解决了农户信用等级评价的问题。 While rural micro-credit loans made tremendous achievements in rural China, many problems have arisen in this system. This article aims at the existing problems in rural microcredit loan practice. Starting from the five factors affecting the credit status of farmers, by setting up a simple model, they are quantified and calculated, and the repaying probability of farmers , And evaluate the level of credit of farmers according to the probability of loan repayment so as to solve the problem of farmers’ credit rating.