性格与信用户主性格对农户履约行为的影响-湖南农业大学学报.PDF

( ) 2018 8 19 4 Journal of Hunan Agricultural University (Social Sciences), Aug. 2018, 19(4):001–007 DOI: 10.13331/ki.jhau(ss).2018.04.001 性格与信用：户主性格对农户履约行为的影响 ——基于“农分期”农户贷款数据 张宗毅，李莉 210014 摘 要Florence Littauer C M S P Logistic 9 253 C M S P 关 键 词 中图分类号F832.43 文献标志码：A 文章编号：1009–2013(2018)04–0001–07 Character and credit: A study on the influence of farmers characteristics on compliance behavior based on farmers loan data provided by NFQ company ZHANG Zongyi, LI Li (Nanjing Research Institute for Agricultural Mechanization, Ministry of Agriculture, Nanjing 210014, China) Abstract: This paper classified the farmers personal character into four categories according to Florence Littauer: power type (C type), perfect type (M type), active type (S type) and peaceful type (P type). Then the thesis constructed a Logistic model considering the character variables of householder, demonstrated the influence of farmers personal characteristics on credit based on the loan data of 9253 farmers from the database provided by NFQ company. The results show that: the characteristics can significantly affect the farmers credit, sorted by risk from low to high, the characteristics variables order is: Powerful choleric, perfect melancholy, popular sanguineand peaceful phlegmatic. Keywords: farmer; farmers personal characteristics; credit evaluation; compliance behavior in debit and credit 一、问题的提出 55.8% 33% 88.8%11.2% 2016