農會會員貸款行為之研究-以官田區農會為例

Abstract

本研究以官田區農會為例，探討農會會員貸款行為模式，以SPSS軟體、單因子變異數分析、Scheffe事後檢定方法、皮爾森相關分析法、OLS迴歸分析法、邏吉斯迴歸分析法對於相關變數間的關聯性深入分析，包括社會人口特徵、貸款行為以及貸款條件與貸款用途。研究結果發現，年長者貸款期限和貸款成數較短、較低，收入較高的借款人貸款金額更高，年齡和年收入對貸款金額有正面影響，初貸年齡對貸款金額則有負面影響，中低教育程度者及農民選擇本金平均攤還的機率較高。這些研究提供了對於貸款相關因素的深入了解，並為農會制定更好的貸款產品、還款計劃和利率政策提供了實用的建議。

This study takes the farmers' association in Guantian District as an example to explore the loan behavior model of members of the farmers' association, using SPSS software, single factor analysis of variance,Scheffe post-test method, Pearson Correlation, ordinary least squares, Logis regression analysis The method provides an in-depth analysis of the correlation between relevant variables, including socio-demographic characteristics, loan behavior, loan conditions and loan purposes. The results of the study found that the loan period and loan ratio of the elderly are shorter and lower, and the borrowers with higher income have higher loan amounts. Age and annual income have a positive impact on the loan amount, while the age of the first loan has a negative impact on the loan amount. People with low and middle education levels and farmers have a higher probability of choosing average amortization of principal. These studies provide insight into loan-related factors and provide practical recommendations for farmers' associations to formulate better loan products, repayment schedules, and interest rate policies.