Abstract
In order to obtain the complete equilibrium state of rural financial market and ensure the stable development of rural financial consumer market, this paper introduces CGE model and analyzes the dynamic trust mechanism of individual consumers in rural financial market. In this paper, the single variable evolutionary fuzzy clustering algorithm is used to analyze the orthogonal eigenvector solutions of individual consumers; the big data of individual consumers under the mode of perceived trust is automatically clustered, so as to obtain the fuzzy analogy function of individual consumers in the rural financial market; and finally the prediction value of consumer trust is obtained. The results show that trust, customer satisfaction, and service quality are positively correlated. Under the same sample expectation constraints, the dynamic CGE model is more robust, and the individual consumer trust mechanism of rural financial market in the study area has higher advantages.
Highlights
Since the late 1990s, in order to meet the challenges of domestic and foreign banking industry, commercial banks, especially the Agricultural Bank of China, have significantly accelerated the pace of building modern commercial banks.e operation has obviously turned to the direction of commercialization, a large number of township institutions have been merged, and loans tend to be large customer groups [1]
Rural financial consumption refers to the behavior that rural residents purchase financial products provided by financial institutions in order to meet their own consumption needs and enjoy financial services. e construction and improvement of rural financial consumption market are closely related to the overall development pattern of China’s financial industry [2]
We analyze the relationship between rural customers’ perception of financial service quality, customer satisfaction, and customer trust and set the variables and conditions of the CGE extended model to judge whether the rural financial consumer market is in a stable development state. is paper determines the credit risk evaluation index, introduces the improved analytic hierarchy process, evaluates the credit risk of individual consumers in rural financial market, determines the advantages of the trust mechanism of individual consumers in rural financial market, and makes a dynamic analysis of the trust mechanism of individual consumers in rural financial market
Summary
Since the late 1990s, in order to meet the challenges of domestic and foreign banking industry, commercial banks, especially the Agricultural Bank of China, have significantly accelerated the pace of building modern commercial banks. We analyze the relationship between rural customers’ perception of financial service quality, customer satisfaction, and customer trust and set the variables and conditions of the CGE extended model to judge whether the rural financial consumer market is in a stable development state.
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