【摘要】 根据实地调查资料,本文采用logit模型对我国农村农户贷款违约的影响因素进行了实证分析,结果表明:贷款利率、贷款期限、信用社服务、非种养业收入和自营支出对农户是否违约有着显著的影响;年龄、教育年限、农业支出对农户是否违约也有较大影响。更多还原

【Abstract】 Using Logit model, the authors conducted an empirical study on determinant factors of default behavior of farmers in northern rural China. The estimated results show that lending rate, time limit, service, nonfarm income, family business income and expenditure have strong relationship with credit risk; the factors about age, education and agriculture expenditure have strong relationship with credit risk.更多还原