西部农村产权抵押信贷中农户分类实例研究

A Case Study of Farmers' Classification in the Western Rural Property Mortgage Credit

基于陕西及宁夏部分地区农户关于产权抵押贷款的有关调研数据,以所在地区、年龄、家庭年收入等6个因素作为自变量,以农户产权抵押贷款需求为因变量,利用R语言构建决策树的农户产权抵押贷款信用评估模型,为相关农村金融机构提供金融政策方面的支持。研究结果表明:对于具有不同特征的农户,其贷款意愿呈现出一定的差异性。最终,除耕地面积变量外其余5个变量被引入决策树模型进行分析。通过检验和改进后的模型具有一定的分类正确性及准确性,对于农村金融机构在制定相应的金融政策及实际贷款风险控制过程中能起到一定的参考作用。

The decision tree model about the farmers＇ credit evaluation of property mortgage was constructed by R-language based on the investigation data related to the property mortgage in Shaanxi and Ningxia. We chose the region,age,family income,et al was 6 factors as the independent variables,the demands of farmers＇ property mortgage as the dependent variable. The purpose of the model was to provide support for the related rural financial institutions in financial policy. The results showed that the willing to lend of farmers who have different characteristics present a certain diversity. Except the cultivated area,the other 5 variables were introduced into the decision tree model to analyze. By testing and improving operation,the model had a certain correctness and accuracy in classification. The results of the model provided a certain reference role in corresponding financial policy and controlling the process of the actual loan risk.