在乡村振兴背景下，H农商银行实施“整村授信”，在H市建设农村信用体系、稳定农村金融秩序、支持特色产业 振兴发展发挥重要作用。“整村授信”在H农商银行已开展三年，需对“整村授信”使用率研究，以更好回顾与总结。为此，基于 H农商银行三年“整村授信”数据研究，首先，统计数据中授信使用率与其影响因素；其次，聚类分析“整村授信”客群分组授信 使用率；最后，通过数据挖掘找出授信使用率高置信度关联项。通过授信使用率量化研究，分析成因，为提高授信效率和授信 使用率提供数据支撑，以更好推动H农商银行“整村授信”业务发展。

In the context of rural revitalization, H Rural Commercial Bank (HRCB) implements“ whole village credit”, plays an im‐ portant role in building a rural credit system, stabilizing rural financial order, and supporting the revitalization and development of characteristic industries in H city. The“ whole village credit” has been carried out by HRCB for three years, and it is necessary to study the utilization rate of the“ whole village credit” in order to better review and summarize. Therefore, this article is based on the credit data of HRCB for the“ whole village credit”. Firstly, the credit ratio and its influencing factors in the credit data of the“ whole village credit” are statistically analyzed; Secondly, cluster analysis is used for the credit ratio of the“ whole village credit” customer group; Finally, data mining identifies items with high support and confidence in the credit. Through research on the utilization rate of the“ whole village credit”, and analyzing the causes, it provides data support for improving credit efficiency and the utilization, in or‐ der to better promote the development of HRCB's“ whole village credit”.