| 农户信用社贷款的信用风险判别分析 |
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| 引用本文： | 李正波,高杰.农户信用社贷款的信用风险判别分析[J].山东工商学院学报,2007,21(1):76-82. |
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| 作者姓名： | 李正波 高杰 |
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| 作者单位： | 中国人民大学,农业与农村发展学院,北京100872 |
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| 摘 要： | 对我国农村农户贷款违约的影响因素进行了实证分析,认为贷款利率、贷款期限、信用社服务、非种养业收支和自营收支等对农户是否违约有着显著的影响,年龄、教育年限对农户是否违约也有较大影响。
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| 关 键 词： | 农村信用社 信用风险 信用风险评价 违约 |
| 文章编号： | 1672-5956（2007）01-0076-07 |
| 收稿时间： | 2006-05-22 |
| 修稿时间： | 2006年5月22日 |
Discriminant Analysis of Credit Risk of Peasants' Loan in Rural Credit Cooperatives of China |
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| LI Zheng-bo,GAO Jie.Discriminant Analysis of Credit Risk of Peasants'''' Loan in Rural Credit Cooperatives of China[J].Journal of Shandong Institute of Business and Technology,2007,21(1):76-82. |
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| Authors: | LI Zheng-bo GAO Jie |
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| Institution: | School of Agriculture and Rural Development, Renmin University of China, Beijing 100872, China |
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| Abstract: | The author conducted an empirical study on determinants of default behavior of peasants in rural areas of China. The estimated results show that lending rate, time limit, service, non-farm income and expenditure, family business income and expenditure have strong influences on the default behavior of the peasants; the factors about age and the number of years set for education also have strong influences. |
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| Keywords: | rural credit cooperatives credit risk evaluation of credit risk default behavior |
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