基于WU’s三维信用论的农户贷款信用风险研究——山东省实证分析

Research on the Credit Risk of Farmer Loan Based on WU 's Three Dimensional Credit Theory——An Empirical Analysis on a Case of Shandong Province

利用山东省的调查数据,依据WU’s三维信用理论,对农户信用风险进行识别与预测。结果表明,诚信度与践约度中户主受教育程度、获评项数、是否党员、干部或村民代表、家庭劳动力数量、家庭纯收入、家庭总资产、是否信用村与农户信用风险显著负相关,但选取合规度中的因素对农户信用风险的影响在统计上不显著。

By means of the survey data of Shandong Province, based on WU＇ s Three Dimensional Credit Theory, the credit risk of farmer loan is identified and predicted. The results show that from tile perspective of integrity and obedience to agreement, such factors are significantly negatively correlated to farmer credit risk as education of farm- ers, amount of the rated items, whether being a Party member, leader or representative of villagers, the number of household laborers, family net income, total household assets, whether being a credit village; the selected factors from the perspective of compliance have no statistically significant impact on farmers＇ credit risk.