Analysis Of Influencing Factors Of Rural Bank-related Loans Based On Logit Model

The "village revitalization" strategy proposed by the Party Central Committee of China has a new plan for rural economic development.As a heavy weapon for the rational allocation of resources,the "village revitalization" strategy requires the firm’s unwavering implementation.The launch of village and township banks was aimed at driving the village and town economy.However,more than ten years after the establishment of village and town banks,problems such as difficulty in financing and insufficient financing still existed in the rural economy,and rural banks also suffered from high non-performing loan ratios.difficult.These are the direct factors restricting the development of rural economy and rural banks.At present,agricultural-related loans have certain risks in terms of regional,industrial,risk compensation,and industrial statistics.They are credit risk,market risk,and operational risk.These are mainly caused by borrower factors,natural factors,financial institutions’ own factors,Government and social factors.This article builds a Logit model,which is based on the variables such as gender,age level,education level,type of farmer,labor force,annual household income,deposit balance ratio,distance from YF village and township bank branches,and loan history.,Carry out empirical research,and lay the foundation for the research on the focus of agricultural bank loans in the future.YF County is located in a mountainous area.The problem of "agriculture,rural areas and farmers" is one of the problems that the local government cannot escape,and it also seriously hinders local development.After the establishment of YF Rural Banks,it has always insisted that the gold and agricultural branches are small.Agricultural loans account for a large proportion of various loans,which is the most important asset of rural banks,and it is also a heavy weapon for rural banks to support the "three rural" issues.Therefore,further planning the credit model of village and township banks and raising the level of agricultural-related loans,so that village and township banks can more practically assist the accelerated development of the local economy,drive the rapid improvement of the rural economy,and truly rejuvenate the countryside.These are all for the well-off society.Add bricks and tiles.The article uses YF’s rural bank-related loans as an example.Through questionnaire surveys: 1.Business development deviates from its original intention and does not focus on supporting the economic development of villages and towns.2.The coverage of agricultural support is small and the county markets are mainly developed;3.Funds Lack of sources,competition is in a weak position,and the market share of deposits is inadequate;4.The difficulty of loan risk control has gradually increased,and the rate of non-performing loans has gradually emerged;5.The lack of innovation in financial services,financial services and products that are innovative to the characteristics of farmers and agricultural enterprises Degree needs to be improved.Therefore,if village and township banks want to expand the introduction of agricultural-related loans,they need to strengthen management in the following aspects: 1.Increase publicity and reduce operating costs;2.Improve management and rationally plan the proportion of various types of loans;3.Improve risk prevention capabilities;4 Strengthen risk management under the premise of maximizing profits.