摘要
根据实地调查资料,本文采用logit模型对我国农村农户贷款违约的影响因素进行了实证分析,结果表明:贷款利率、贷款期限、信用社服务、非种养业收入和自营支出对农户是否违约有着显著的影响;年龄、教育年限、农业支出对农户是否违约也有较大影响。
Using Logit model, the authors conducted an empirical study on determinant factors of default behavior of farmers in northern rural China. The estimated results show that lending rate, time limit, service, nonfarm income, family business income and expenditure have strong relationship with credit risk; the factors about age, education and agriculture expenditure have strong relationship with credit risk.
出处
《北京电子科技学院学报》
2006年第1期69-74,共6页
Journal of Beijing Electronic Science And Technology Institute
关键词
农村信用社
信用风险评价
违约行为
LOGIT模型
农村金融预警
Rural credit cooperation
Credit risk assessment
Default behavior
Logit model
Rural financial early warning system
