Predictors of farm performance and repayment ability as factors for use in risk‐rating models
Predictors of farm performance and repayment ability as factors for use in risk‐rating models
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农场绩效和还款能力的预测因素作为风险评级模型中使用的因素
DOI：
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发表时间：
2003
期刊：
影响因子：
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通讯作者：
G. Pederson
中科院分区：
文献类型：
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作者：
L. Zech;G. Pederson
本研究调查了贷方在对其农场客户进行风险评估时应使用的重要因素。这些因素预测了实际农场业绩和债务偿还能力。线性和逻辑回归模型用于确定债务与资产比率作为偿还能力的主要预测因子。此外，资产周转率和家庭生活费用是农场业绩的有力预测指标。对结果进行了几个时间段的测试，以验证预测器的稳健性。
This study investigates important factors that should be used by lenders in risk‐rating their farm customers. These factors predict actual farm performance and debt repayment ability. Linear and logistic regression models are used to identify the debt‐to‐asset ratio as a major predictor of repayment ability. In addition, the rate of asset turnover and family living expenses are strong predictors of farm performance. The results are tested over several time periods to verify the robustness of the predictors.