农村信用社农户贷款信用风险影响因素研究——以黑龙江省为例

Study on the Credit Risk Influencing Factors of the Loans to Farmers of Rural Credit Cooperatives Based on the Survey of Heilongjiang Province

在对农村信用社农户贷款信用风险影响因素进行理论分析的基础上,通过对从黑龙江省农村信用社和农户的实地调研,运用Lo-gistic模型对调研数据进行了实证分析,得出了影响当地农户贷款信用风险的若干因素,为黑龙江省农村信用社降低农户贷款风险,提高管理水平和服务"三农"效率提供了借鉴依据。

Based on a relevant theories analysis of the credit risk influencing factors of the loans to farmers of rural credit cooperatives, relying on the survey data of rural credit cooperatives in Heilongjiang Province, Logistic model was used to analyze these factors, the influencing fac- tors were obtained, which will provide a reference basis for reducing loans to farmers risk of rural credit cooperatives in Heilongjiang Province, improving management level and service efficiency.