农村金融机构贷款客户识别及选择影响因素的Logit模型分析——基于湖南祁阳县的农户调查  

An Analysis of Influencing Factors in Identifying and Selecting Loan Customers of Rural Financial Institutions with Logit Model: Based on the Survey of Rural Households in Qiyang County in Hunan

作　　者：李明贤[1] 叶慧敏[1] 

机构地区：[1]湖南农业大学经济学院,湖南长沙410128

出　　处：《江西财经大学学报》2011年第4期66-72,共7页Journal of Jiangxi University of Finance and Economics

基　　金：国家社科基金项目(09BJY099);湖南省教育厅重点科研项目(09A045)

摘　　要：通过对湖南省祁阳县农户进行问卷调查,建立Logit模型对农村金融机构识别和选择贷款客户所考虑的主要因素进行分析。结果表明,现实中农户户主年龄、农户类型、家庭年收入、存款余额占收入比例、离最近的农村金融机构的距离、有无贷款记录等因素对农村金融机构贷款客户的识别及选择有不同程度的影响。旨在方便农户融资的同时,为农村金融机构选择风险程度低的优质贷款客户提供决策依据。Through questionnaire survey of rural households in Qiyang County in Hunan Province,this paper sets up a Logit model to analyze the main factors to be considered by rural financial institutions when identifying and selecting the customers to provide loans.The result reveals that,in reality,the factors which may influence the rural financial institutions to a certain degree on identifying and selecting customers to grant loans are as follows： the age of the head in household,the type of household,the annual income of a family,the percentage of the balance held on deposit in income,the distance from the nearest rural financial institution,with or without loan documentation and so on.The purpose of this study is to provide the principles for decision-makers to select the low-risk and fine-quality customers to provide loans while facilitate the rural households＇ financing needs.

关 键 词：客户识别 客户选择 影响因素 

分 类 号：F830.6[经济管理—金融学]