农户品质对农户信用影响实证分析——基于“农分期”16101个农户贷款数据

为了探究农户品质对农户信用的影响,在分析农户品质对农户信用影响机理基础上采用因子分析+Logistic回归方法,使用目前我国最大的农业服务公司——农分期公司农户数据库中2017年1-10月的16 101名农户贷款数据进行了实证研究。研究结果表明:1)农户品质能够显著影响农户违约行为,并且进一步影响农户信用;2)品质变量中,农户性格、人际关系自我评价和邻里评价越好,违约概率就会减少,信用状况也会更佳。

Empirical analysis of the effect of farmers' characteristics on farmers' credit: Based on 16 101 farmers' loan data

In order to explore the impact of farmer households'' characteristics on farmers'' credit, this study used factor analysis and Logistic regression to analyze the impact of farmer households'' characteristics on rural households'' credit, making use of the data of 16 101 farmers from the database provided by the "NFQ Company". The results show that:The farmer household''s quality significantly affected the farmers'' credit; Among all characteristic variables, the better the farmers'' character, interpersonal relationship, and neighborhood evaluation, the higher the probability of default will be reduced and the credit status turned out to be better.