西部农村产权抵押信贷中农户分类实例研究
A Case Study of Farmers' Classification in the Western Rural Property Mortgage Credit
孙一清 1陈漳顺 1李启璐 1石行 1邱丽萍 2吴养会1
作者信息
- 1. 西北农林科技大学理学院,陕西杨凌712100
- 2. 西北农林科技大学经济管理学院,陕西杨凌712100
- 折叠
摘要
基于陕西及宁夏部分地区农户关于产权抵押贷款的有关调研数据,以所在地区、年龄、家庭年收入等6个因素作为自变量,以农户产权抵押贷款需求为因变量,利用R语言构建决策树的农户产权抵押贷款信用评估模型,为相关农村金融机构提供金融政策方面的支持.研究结果表明:对于具有不同特征的农户,其贷款意愿呈现出一定的差异性.最终,除耕地面积变量外其余5个变量被引入决策树模型进行分析.通过检验和改进后的模型具有一定的分类正确性及准确性,对于农村金融机构在制定相应的金融政策及实际贷款风险控制过程中能起到一定的参考作用.
Abstract
The decision tree model about the farmers' credit evaluation of property mortgage was constructed by R-language based on the in-vestigation data related to the property mortgage in Shaanxi and Ningxia.We chose the region, age, family income, et al was 6 factors as the independent variables, the demands of farmers' property mortgage as the dependent variable.The purpose of the model was to provide support for the related rural financial institutions in financial policy .The results showed that the willing to lend of farmers who have different character-istics present a certain diversity.Except the cultivated area, the other 5variables were introduced into the decision tree model to analyze.By testing and improving operation, the model had a certain correctness and accuracy in classification.The results of the model provided a certain reference role in corresponding financial policy and controlling the process of the actual loan risk .
关键词
产权抵押贷款/C5.0决策树模型/ROC曲线Key words
Property mortgage/C5.0 decision tree model/ROC curve引用本文复制引用
基金项目
2015年西北农林科技大学大学生创新训练项目(201510712172)
出版年
2017
国家科技期刊平台
NSTL
维普
万方数据