小额贷款公司客户违约行为影响因素的实证研究——基于长沙市的调查

Empirical Study on the Influencing Factors of Clients Default Behavior of Microloan Company： Based on the Investigation of Changsha

基于长沙市25家正常经营的小额贷款公司贷款样本数据，运用Logit模型实证分析了小额贷款公司客户违约行为的影响因素。研究发现：小额贷款公司客户的年龄、学历、从业时间、所属行业和贷款抵押物对小额贷款公司客户违约行为有显著影响；而贷款金额和还款方式对小额贷款公司客户违约行为没有显著影响。为提高小额贷款公司信用风险评估的有效性、降低贷款违约率，小额贷款公司应创新抵押方式、重点对有违约风险的客户进行贷后管理、优化贷款审批流程、建立完善数据库。

Based on the sample data of loan of 25 microfinance companies operating normally in Changsha, this study uses the Logit model to empirically analyze the influencing factors of clients default behavior of microloan company. The study found that： the customers＇ age, education background, working time, industry and loan collateral have a significant impact on the default behavior of the clients of the micro - finance companies ; while the loan amount and repayments Of the loans to the micro - finance company customers＇ default have no significant effect. In order to make microcredit companies＇ credit risk assess effectively, the default rate of loan reduced, it is proposed that the microcredit company should innovate the mortgage method, focusing on the loan default management for clients with risk of default, optimizing loan approval process, establishing perfect database and so on.