欠发达地区小额信贷还款率影响因素实证分析

Empirical analysis of influencing factors on the repayment rate of microfinance in underdeveloped areas

以陕西洛南县和千阳县农户小额信贷为研究对象,运用Logistic回归模型来分析和检验欠发达地区小额信贷还款率的影响因素。研究结果表明,贷款利率、农户收入、农信社经营能力、贷款金额、农户信用等级与小额信贷还款率显著相关;贷款期限、贷款用途、农户性别、农户子女人数、农户年龄与小额信贷还款率较显著相关,并提出相应对策建议。

This thesis took microfinance of peasant household of Luonan and Qianyang county in Shanxi province as research objects and applied Logistic regression model to analyze and test the influencing factors on the repayment rate of microfinance in underdeveloped areas,deemed that the rate of loan earnings of peasants,operating ability of rural credit cooperatives,the amount of loans and peasants credit were significantly associated with repayment performance of peasants,loan period,use of loan,gender,number of children and age of peasants were also associated with repayment performance,drawed on conclusions and provides suggestions.