Research on the Credit Risk Influencing factors of Farmer Loan for Rural Commercial Bank Based on Probit Model
- 10.2991/msmi-15.2015.33How to use a DOI?
- Rural commercial bank, Farmer loan, Credit risk, Influence factors, Probit model.
This paper takes farmer loan for Rural Commercial Bank as an object of study, discusses the credit risk and its influence factors. Based on the survey data from Hubei Rural Commercial Bank, Probit model is applied to analyze these factors. The findings are showed as follows: There is a significant and negative relationship between the credit risk of farmer loan and the number of family labor and total household assets, while the total household debt and loan rates affect it positively. In addition, whether the households have children in university, whether the loan secured and the loan purposes also have significant effect on the credit risk. Therefore, Rural Commercial Bank should examine the basic information of farmers carefully; implement preferential interest rate policy; encourage productive and secured loan to prevent the occurrence of credit risk.
- © 2015, the Authors. Published by Atlantis Press.
- Open Access
- This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).
Cite this article
TY - CONF AU - Ya-Qiong Pan AU - Ze-Qun Song PY - 2015/08 DA - 2015/08 TI - Research on the Credit Risk Influencing factors of Farmer Loan for Rural Commercial Bank Based on Probit Model BT - Proceedings of the 2015 International Conference on Management Science and Management Innovation PB - Atlantis Press SP - 175 EP - 180 SN - 2352-5428 UR - https://doi.org/10.2991/msmi-15.2015.33 DO - 10.2991/msmi-15.2015.33 ID - Pan2015/08 ER -