关键词: 数据挖掘, 决策树分类法, 信用评价模型, 信用等级

Abstract: This paper puts forward the decision tree algorithm in the application of the small credit loans evaluation system for farmers on the basic concepts of data mining technology.Facing the risk of the ever-increasing non-performing loan in the rural credit cooperatives，it establishes a more scientific，clear，simple，reliable and practisable farmer credit evaluation model with the help of the forecast of data mining，which will be applied to help determine whether the appliants have enough credit to get the loan or not.

Key words: data mining, decision tree classification, credit evaluate model, credit rating