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中文摘要：
运用随机效应的变截距回归模型，以陕西省104个县域农村合作金融机构的数据为例，对农村合作金融机构信贷风险的影响因素进行了实证研究。结果表明：农村居民人均纯收入、财政支农、农业贷款市场份额和机构治理水平提高，农村合作金融机构不良贷款率显著下降。地方政府财政赤字越大，农村合作金融机构不良贷款率越高。从发展农业现代化，扩大财政支农乘数效用，降低农村金融门槛，完善金融机构治理机制和规范地方政府融资渠道等方面提出政策建议。
英文摘要：
On the basis of random effects regression model of variable interception, taking the basic situation of rural cooperative financial institutions from 104 counties in Shaanxi province, this paper assessed the influencing factors of credit risk. We found that： the per capita net income of rural residents, financial support for agriculture, market share of agricultural loan and efficiency of management increased, while the institutions＂ non-performing loan rate decreased significantly. Based on the research, we put forward core policy suggestions in increasing farmers~income, strengthening financial support to agriculture, improving rural financial market, optimizing management, and normalizing local government financing channels.
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