基于相关分析法的农户贷款信用影响因素分析

Analysis of the Factors Affecting Farmers' Credit based on the Correlation Analysis Method

农户贷款违约风险较大,使农村金融机构"惜贷"现象严重。文章基于对河北省农村信用社的调查,将从信用社贷款的农户按是否违约分为两类,用相关分析法分析影响农户贷款信用的主要影响因素。研究结果显示,农户的受教育程度,农户的家庭劳动力数量,农户的经营状况,农户信誉状况等对农户贷款是否违约有较大影响,是影响农户贷款信用的重要因素。

Farmers'loan default risk, make the rural financial institutions"credit crunch"phenomenon is serious. Based on the survey of rural credit cooperatives in Hebei Province, the loans from credit cooperatives farmers according to whether the breach of contract is divided into two categories, analysis of main factors affecting the farmers' credit by correlation anal-ysis method. The results showed that, education of farmers, the number of family labor, operating conditions of households, household credit status of farmers loan defaults have great influence, is an important factor affecting the farmers' credit.