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中文摘要：
利用主成分分析方法和logistic回归模型,对西部地区小额信贷还款率影响因素进行实证分析。研究表明农户专业技能、信用等级、农户收入、贷款利率、贷款期限、贷款用途等因素与小额信贷还款率显著相关,农户年龄、受教育程度、贷款金额等因素对小额信贷还款率的影响不显著,不同因素在影响小额信贷还款率时具有重要次序性,农户专业技能、信用等级、农户收入、贷款利率、贷款期限、贷款用途、是否贴息、经营能力对小额信贷还款率的影响最为重要,其次为劳动力人数和耕地面积因素。
英文摘要：
The article uses logistic regression model to analyze the influencing factors on the repayment performance of microfinance and finds out that farmers′ professional skills,credit rating,household income,loan interest rate,loan period and loan purpose influence greatly repayment rate of microfinance.But,farmers′age,education level and gender are not significantly associated with repayment performance of microfinance.Different factors have different effect on the repayment rate of microfinance,farmers′ professional skills,credit rating,household income,loan interest rate,loan period,loan purpose,interest subsidies,RCC operating ability,are the most important factors among them.The next two significant factors are labor force and arable land.
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