涉农小额贷款客户信息对放贷机构授信决定的影响研究——以吉林省为例

How Does Customer Information of Agriculture Related Small Loan BorrowersInfluence the Decision of Lending Institutions--A Study Based on the Data from Jilin Province

在理论分析的基础上,构建了涉农小额贷款客户信息对放贷机构授信决定的影响的模型,并运用吉林省9个县市282份调查问卷的数据进行实证分析。对涉农小微企业采用回归分析方法,得出结论:企业的财务指标、还款保证和企业的综合能力与授信决定呈明显的正相关关系;信用状况与授信决定呈负相关关系。对农户采用频数分析方法,结果表明农户的信用状况、还款保证、生产经营能力和外部条件等均呈现了指标越好越倾向于获得授信,越差越难以获得授信的明显趋势。

On the basis of theoretical analysis,this paper constructs a model of the impact of the customer information of small agricultural loan borrowers on the credit decision of lending institutions.The paper uses 282 questionnaires from 9 counties and cities in Jilin Province to carry out empirical analysis.The regression analysis method is adopted for small and micro enterprises involved in agriculture,and the conclusion is drawn:the financial indicators,repayment guarantee and comprehensive ability of enterprises have obvious positive correlation with credit decision;the credit status has negative correlation with credit decision.The results show that for borrowers,the better the indicators are,the more likely to obtain credit.