農業信保基金小額信貸風險評估

The Evaluation of Loan Risks under Agricultural Credit Guarantee Fund

周汶璋(Wen-Jang Jow)

指導教授 ： 洪仁杰

國立屏東科技大學/農學院/熱帶農業暨國際合作系所/碩士(2010年)

摘要

為協助擔保能力不足之農漁民增強其授信能力，獲得農業經營所需資金，以改善農漁業經營，提高農漁民收益，並藉由政府機關、農業行庫及農、漁會共同捐助基金而成立之農業信用保證基金提供信用保證，以提升銀行授信品質，減少逾期放款的可能。本研究乃以東部某銀行的農業信貸業務為研究主體，針對2005年至2008年的農業信用保證基金所保證之小額農家信用貸款進行探討，就該行申請貸款時所使用之客戶基本資料如年收入、年齡、負債金額、房屋自有、借款金額、貸款年限以及基金過去文獻之回顧整理，採用Logit模型進行分析評估，以探討影響逾期的主要因素及其相關性為何。建構一適當之授信審核模型，作為農業信貸機構審核參考，以降低信貸案件之逾放比，減少基金代償金額。

關鍵字

農業信用保證基金 ； 信用貸款 ； Logit模型 ； 逾期放款

並列摘要

To help guarantee a lack of capacity of farmers and fishermen to enhance its credit, access to agricultural operations necessary funds to improve the agriculture and fishery management, improve the income of farmers and fishermen, by government agencies, agricultural banks and the farm and fishery co-donor fund established Agricultural Credit Guarantee Fund guarantee.

Meanwhile, in order to enhance the quality of bank credit to reduce the possibility of overdue loan, this research is an eastern branch of the Agricultural Credit Bank to study the main case. For 2005 to 2008 by the Agricultural Credit Guarantee Fund for guaranteed loans of small farmers credit, apply for loans on-line customers to use when the basic information such as annual income, age, amount of debt, housing its own, borrowing rates the loan period and finishing the last literature review, analysis and evaluation using Logit model to examine the impact of late and correlation of the main factors why.

Construct an appropriate model for credit review, audit reference for agricultural credit institutions in order to reduce the NPL ratio of credit cases, the compensation to reduce the amount of boundary disputes.

並列關鍵字

Agricultural Credit Guarantee Fund ； Credit Loans ； Logit Model ； Overdue Loans

參考文獻

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