Y村农户信贷违约影响因素分析

Factor Analysis of Farmer Credit Default in Y Village

农村金融的发展已成为助力农户增收的重要一环,然而,伴随而产生的农户信贷违约问题也已严重阻碍了农村金融的健康发展,值得政府管理部门与农村金融机构管理者关注。本文以大连市Y村271位农户调查数据为样本,通过构建Logistic模型,实证分析了影响农户信贷违约的因素。研究结果表明:农户文化水平、家庭年收入以及信贷员办理业务态度与Y村农户信贷违约呈负相关关系;当信贷农户为男性时,则违约可能性更大;金融机构贷款流程的复杂程度与农户信贷违约呈正相关关系。据此,应采取加强对农户信用意识教育;提高信贷服务质量,简化贷款流程;帮助农户增收致富等措施有效降低农户信贷违约。

The development of rural finance has become a very important part in increasing the income of farmers.Meanwhile,farmer credit default has hindered the sound development of rural finance,which should be taken seriously by government administrative departments and managers of financial institutions.The survey data are collected from 271 samples of Y Village farmers in Dalian.By constructing a logistic model,this paper makes an empirical analysis of the factors affecting farmers’credit default.Results show that farmers’educational level,annual household income and the attitude of loan officers are negatively correlated with farmers’credit default.When the farmers are male,the possibility of default is higher.Besides,the complexity of loan procedure shows positive correlation with farmers’credit default.To reduce the default rate,we should increase the farmers’credit awareness,improve our credit services,simplify loan procedures and help rural households increase their income.