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頁籤選單縮合
題名 | 農場財務結構對農會信用部貸款決策之影響=Impact of Farm Finanical Structure on the Lending Decisions by Credit Divisions of Farmers' Associations |
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作者 | 潘添進; 莊佳惠; 王三仁; 黃意玫; | 書刊名 | 國立屏東科技大學學報 |
卷期 | 7:3 1998.09[民87.09] |
頁次 | 頁251-263 |
分類號 | 431.33 |
關鍵詞 | 農業信用; 財務結構; 授信政策; 貸款實務; Agricultural finance; Financial structure; Farm credit; Lending practice; |
語文 | 中文(Chinese) |
中文摘要 | 本文旨在設計不同的農場財務結構,蒐集農會信用部對借款人授與信用之反應, 從而歸納出重要的財務指標,以建立線性迴歸模型及區別分析模型,作為農會信用部授信評 估之決策參考依據。為達此目的,本文根據文獻探討所歸納的財務指標,設計問卷向274家 基層農會總幹事及信用部主任或貸款業務承辦人收集相關資料,運用敘述統計、迴歸分析、 及區別分析等方法,透過SHAZAM及SPSS套裝統計軟體,進行實證資料分析。 敘述統計結果顯示在5項授信決策者的特性變數中,僅性別與信用業務年資兩項對授信 決策具有統計上的顯著影響,決策者為女性、信用業務年資越長,其授信決策越趨保守。從 Tobit迴歸分析結果得知,營運資金、期初農家所得、槓桿比率、淨值、及土地價值等5項 變數,對貸款金額多寡,均具有理論上的影響方向及統計上的顯著水準,除槓桿比率具負面 影響外,其餘解釋變數皆有正面影響效果。區別分析結果則顯示,營運資金、期初農場所得、 槓桿比率、淨值、及土地價值等5項區隔變數,皆為決定貸款與否的重要因素;分析結果顯 示前述5項變數均是農會信用部在核定貸款與否之重要考慮因素。 |
英文摘要 | This paper is to access empirically the impact of farm financial structure on its external credit limits and how the lender responses to farm financial position for a specific agricultural situation. A simulated borrowing experiment was conducted with 274 credit divisions of Taiwan Farmers' Association in 1997. At each of these institutions, one or two farm loan officers was asked to evaluate loan requests of hypothetical farm operators and to indicate the loan response that such requests would receive. Several items of information associated with the borrower applications were made available to each loan officer as he or she requested them. Selected financial data for five simulated loan situations were given for each loan officer. Descriptive statistics, regression analysis technique, and discriminant analysis method were used in the survey data analysis through SHAZAM and SPSS computer programs. Results from the descriptive statistics show that only the years of lending experience and the gender of credit officers are statistically significant factors of the considerations for lending practices. Empirical results in Tobit regression analysis indicate that the effect of leverage ratio on the amount of approved loan is negative and highly statistically significant. On the contrary, the effects of working capital, farm income at the beginning year, net worth, and farmland value on the amount of loan approved are positive and also highly significant. A regression equation created by the discriminant analysis method shows that the credit officers will take leverage ratio, working capital, farm income at the beginning year, net worth, and farmland value into account for their considerations of farm loan requests. Among those factors that determine whether the credit officers approve loan requests, the leverage ratio has the largest effect on it. When Z>Z*, the loan officers will approve the loan requests; otherwise, they will reject the borrower application. |
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