基層農會逾放比影響因子之實證分析-以林口區農會為例

Abstract

本研究以「林口區農會」為研究對象，以民國104年1月至108年12月之利率、總幹事年齡、總幹事性別、員工人數、員工平均年齡、理監事平均年齡、會員人數、人口數，探討逾放比和上述各種變數的關聯性及可能的影響，本研究採用皮爾森相關係數分析、交叉表分析、以及迴歸模型進行實證分析，探討各變數對逾放比之影響。 研究發現利率，總幹事年齡、總幹事性別、員工人數、員工平均年齡、理監事平均年齡、會員人數、人口數等變數或多或少都對逾放比具有一定程度的相關性，而總幹事年齡、總幹事性別、員工平均年齡、會員人數、人口數的組合，對於逾放比的影響具備解釋能力。依據研究結果本文建議可針對有顯著關聯且有意義之變數進行深入探究與研擬對貸款逾放的控制對策。另外，針對較有可能產生逾放比現象的變數制定管理辦法及因應對策。

The study applied the “Linkou District Farmers’ Association” as the research object, taking the interest rate from January 104 to December 108 of the Republic of China. The age of the director general, the gender of the director general, the number of employees, the average age of employees, the average age of supervisors, the number of members then explored the relevance and possible impact of the over-discharge ratio and the various variables mentioned above. The study used Pearson’s correlation coefficient analysis, cross-tab analysis, and regression models for empirical analysis to explore the impact of various variables on the over-discharge ratio. The study found that the interest rate, the age of the Director General, the gender of the Director General, the number of employees, the average age of employees, the average age of supervisors and supervisors, the number of members, the number of population and other variables were more or less related to the overdose ratio. The combination of the age of the Director General, the gender of the Director General, the average age of the employees, the number of members, and the population had the ability to explain the impact of the excess ratio. Based on the research results, the article suggests that in-depth exploration and development of control measures for loan overpayment can be conducted for variables that are significantly related and meaningful. In addition, Formulate management methods and countermeasures for the variables that are more likely to cause overruns.