Application of cloud model in credit evaluation

Credit risk had become the main cause of bank bankruptcy. Therefore, risk control and risk management became the most important problem of credit loan. This study used a series of credit evaluation indices to quantify the credit of farmer in the form of number. Two models were built on these indices according to the association rules and cloud theory. Model A was used when the customer loaned from credit cooperative at the first time. Model B was used when the farmer was a regular customer who had loan records in the credit cooperative. This system provided credit cooperative with important credit loan data, and made decision-making more scientifically and closer to reality, thus evade credit risk effectively.