English (United Kingdom)

https://curated-unify.zendy.io/wp-json/zendy-region/v1/featured_content/oa?rat=en

https://curated-unify.zendy.io/wp-json/zendy-region/v1/highlighted_journal/

Global: Zendy Plus annual

Presents the access of premium content as premium feature

Premium Content

Presents the keyphrase highlighting as premium feature

Keyphrase Highlighting

Presents the summarisation as premium feature

Summarisation

Insights

Presents the pdf analysis as premium feature

PDF Analysis

Presents the zaia usage as premium feature

ZAIA

Global: Zendy Tools annual

Global: Zendy Free Plan

Global: Zendy Tools monthly

Global: Zendy Plus monthly

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.

Research on the Credit Risk Influencing factors of Farmer Loan for Rural Commercial Bank Based on Probit Model