基于Logistic模型的农户信用影响因素实证研究

Empirical Research on Affecting Factors of Household Credit Based on Logistic Model

本文对广西百色市12县(区)农村信用社307户农户贷款进行抽样调查,运用Binary Logistic回归对影响农户贷款质量的因素进行实证分析,其结论是农户贷款质量与农户家庭人口、收入水平及社会声誉等因素关系密切,并针对性地提出完善农户信用信息库、制定统一的农户评价指标体系等建议。

By sampling survey on the loans of 307 household farmers based on 12 counties in Baise city of Guangxi province, using Binary Logistic regression model to make empirical study of the factors affecting household loan quality, this paper finds out that household loan quality has close relationship with populations of household, income level and reputation. It puts forward certain theoretical and practical reference for perfecting the household credit database and evaluation system.