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| On the Influencing Factors of Rural Credit Cooperatives’ Regional Risk:Based on the Logit Model of Panel Data |
| QIAN Shuitu ,CHEN Xinyun
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| School of Finance,Zhejiang Gongshang University |
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Abstract This paper selects seven key indicators by using the stepwise regression and establishes a logit model on panel data of the influencing factors of Rural Credit Cooperatives regional risk including Z province’s 81 Rural Credit Cooperatives from 2006 to 2012. The results show that GDP growth, capital adequacy ratio, the proportion of non-interest income, provision coverage, ROE and industrial regulations help alleviate Rural Credit Cooperatives’ regional risk, and an increase of ratio of loan assets deteriorates the regional risk. This paper suggest that Rural Credit Cooperatives’ regional risk should be further concerned; increasing the capital, promoting diversified development, increasing the level of asset returns, and exerting industrial regulation’s function should be necessary in the future.
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Received: 20 January 2016
Published: 11 April 2018
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