基于Logistic回归模型的网络联保贷款影响因素分析  

作　　者：戴夏晶[1] 

机构地区：[1]嘉兴学院商学院

出　　处：《企业经济》2014年第4期93-97,共5页Enterprise Economy

基　　金：浙江省社会科学界联合会研究课题"浙江省县域中小企业融资与金融支持:基于交易成本的分析"(批准号:2012N135);浙江省软科学研究计划项目"浙江科技型中小企业商业信用融资能力提升研究"(批准号:2013C35037)

摘　　要：网络联保贷款就是基于团体贷款背景下的一种融资创新方式,它将网络信息平台和贷款担保模式相结合,利用信息共享和信息流通,有效缓解了中小企业的融资困境。本文从网络联保贷款在我国目前的发展现状入手,从信息共享、成本节约及社会惩罚三个方面,分析网络联保贷款成功运行的机制,并针对已申请网络联保贷款企业设计相关问卷调查,通过所获取的数据,利用logistic回归模型分析影响网络联保贷款的相关因素,发现社会惩罚、组内互助等因素能够降低网络联保贷款的违约率,并就此提出相关参考建议。As a new financial method of group lending, network joint - liability loan makes the combination of the network information platform and the model of the loan guarantee to relieve the financial problems for the small and medium enterprises. This paper, based on the development of net joint - liability loan, analyses the relevant mechanism, which could be concluded as information share, cost cut and social punishment. And then, by using the data from investigation, the paper makes the re- search on the factors that affect the performance of the network joint - liability loan by logistic model, finding some indicators, such as social punishment, and help within the group could lower the default rate, and puts forward some relevant sugges- tions.

关 键 词：网络联保贷款 违约 LOGISTIC 中小企业 

分 类 号：F832.4[经济管理—金融学]