پديد آورندگان :
نقوي، سميه دانشگاه جيرفت - دانشكده كشاورزي - گروه اقتصاد كشاورزي , فيروززارع، علي دانشگاه فردوسي مشهد - گروه اقتصاد كشاورزي , بابازاده، جليل بانك كشاورزي خراسان شمالي
كليدواژه :
بازپرداخت وام , تحليل تمايزي چندگروهي , وصول مطالبات , ريسك اعتباري , استان خراسان شمالي
چكيده فارسي :
بخش كشاورزي، به منظور توسعه و پيشرفت نيازمند تزريق منبع هاي مالي و سرمايه‌گذاري از طريق دو منبع پس‌انداز بهره‌برداران و منبع هاي اعتباري رسمي و غيررسمي است. بانك كشاورزي نقشي بنيادين در فرآيند تأمين اعتبار بخش كشاورزي در ايران ايفا مي‌كند. ادامه حيات و استمرار اين نقش، وابستگي زيادي به بازپرداخت قسطها توسط دريافت‌كنندگان تسهيلات است، بنابراين شناسايي و تحليل عاملهاي تعيين‌كننده رفتار كشاورزان در بازپرداخت قسطهاي تسهيلات دريافتي، نقشي اساسي در كاهش ريسك اعتباري تسهيلات پرداختي توسط بانك كشاورزي خواهد داشت. در اين راستا اين پژوهش تلاش كرده است با بهره‌گيري از اطلاعات 263 كشاورز استان خراسان شمالي كه در سال 1398 گردآوري شده است و همچنين به كارگيري الگوي تحليل تمايزي چند گروهي، نسبت به بررسي عوامل تعيين‌كننده رفتار كشاورزان در بازپرداخت قسط هاي تسهيلات دريافتي از بانك كشاورزي، اقدام نمايد. نتايج اين پژوهش نشان داد متغيرهاي داشتن پيشينه دريافت وام، درآمد غيركشاورزي، دريافت تسهيلات در زمان مناسب، داشتن ميانگين حساب در زمان دريافت تسهيلات، درآمد سالانه، مقياس توليد، سطح تحصيلات، نوع مالكيت، برخورداري از بيمه محصولات كشاورزي و تجربه كشاورزي بيشترين اهميت را در ايجاد تمايز ميان گروه‌هاي مختلف بازپرداخت‌كننده تسهيلات، دارا مي‌باشند. براين مبنا، تسريع در فرآيند اعطاي وام، اتصال برنامههاي بيمه و وام، بررسي وضعيت گردش مالي حساب متقاضيان در زمان اعطاي وام و توجه به پيشينه اعتباري متقاضيان وام، امري ضروري است.
چكيده لاتين :
Introduction
The agricultural sector, in order to develop, needs to inject financial resources and investment through two sources of consumer savings and formal and informal credit sources. Agricultural Bank plays a key role in the process of financing the agricultural sector in Iran. The survival of this role is highly dependent on the repayment of installments by the recipients of the bank loans, therefore, identifying and analyzing the determinants of farmers' behavior in repaying loan installments will play a key role in reducing the credit risk of loans paid by the Agricultural Bank.
Materials and Methods
In this study, has tried to investigate the determinants of farmers' behavior in repaying the installments of loans received from the Agricultural Bank. we used the information of 263 farmers in North Khorasan province that was collected in 2019 and also using a multi-group discriminant analysis model. Discriminant analysis is a statistical method for classifying a set of observations into predefined groups. This method is used to perform various statistical measures such as interpreting and justifying group differences and classifying observations in different groups. In other words, discriminant analysis is a multivariate statistical analysis method that uses linear combinations of analyzed variables to place observations into predefined groups based on their explanatory variables. Results and Discussion The results of this study showed that the variables of having a history of receiving loans, non-agricultural income, receiving loans at the right time, having bak account turnover at the time of receiving loans, annual income, production scale, level of education, type of ownership, agricultural insurance and agricultural experience are the most important variables in disciminant between different groups of loan repairers.
Suggestion
According to this study, linking insurance and loan programs is also one of the policies that can be used to achieve full repayment of installments of facilities received. In addition to the above, due to the importance of the variable level of education in full repayment of installments of facilities received, the policy of promoting knowledge and information can be implemented in the target community, and in this regard, by cooperating with extension groups of Jihad Agricultural Organization to inform farmers in Especially the importance of timely and complete payment of installments of the received facilities and its effect on the bank's ability to provide more appropriate facilities in the future. Finally, in order to reduce credit risk and based on the obtained results, suggestions are made in the field of speeding up the lending process, connecting insurance and loan programs, closely monitoring the account turnover program and paying attention to people's credit history.
