The Evaluation of Loan Risks under Agricultural Credit Guarantee Fund

• Main Authors: Wen-Jang Jow, 周汶璋
• Other Authors: Rern-Jay Hung
• Format: Others
• Language: zh-TW
• Published: 2010
• Online Access: http://ndltd.ncl.edu.tw/handle/04047144200397092287

碩士 === 國立屏東科技大學 === 熱帶農業暨國際合作系所 === 99 === 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.