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首页> 外文学位 >Using the Logistic Regression Statistical Test to Determine Which of the Forty National Credit Union Administration's Mandated Financial Ratios are Good Predictors of Credit Union Failures
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Using the Logistic Regression Statistical Test to Determine Which of the Forty National Credit Union Administration's Mandated Financial Ratios are Good Predictors of Credit Union Failures

机译：使用Logistic回归统计检验确定四十个国家信用社管理局的强制财务比率中哪个是信用社失败的良好预测指标

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摘要

Credit unions, much like banks and other financial institutions, provide financial services to their customers. Although the financial services provided to customers by both credit unions and banks are similar, the method by which these institutions operate are completely different. Banks are for-profit institutions and can freely operate much like other for-profit entities with the objective of generating profit. Credit unions operate as non-profit institutes and are bound to the regulations as defined by the Credit Union Act of 1934. This act stipulates that because credit unions can operate as non-profit institutions, they can only provide financial services to its owners, or otherwise known as members, and credit unions can only generate income via the financial services provided to those members. Due to this income generating limitation, credit unions must be very careful to avoid downward financial trends because resources are limited to reverse these downward trends. As such, the National Credit Union Administration mandates that 40 financial ratios must be created by all reporting credit unions to monitor their financial health; however, even with these 40 financial ratios being monitored, credit unions are still failing. Therefore, a quantitative study was created where logistic regression was used to determine which of the 40 financial ratios were statistically significant in predicting those credit unions that had actually failed. The objective of this study was to identify which of these 40 financial ratios had the potential of being good predictors of credit union failures. If a specific list of financial ratios could be developed, this could be a valuable tool in identifying credit unions with downward trends and allowing corrective actions to be implemented early enough to prevent these distressed credit unions from failing.
机译：信用合作社，就像银行和其他金融机构一样，为客户提供金融服务。尽管信用合作社和银行向客户提供的金融服务相似，但这些机构的运作方式却完全不同。银行是营利性机构，可以像其他营利性实体一样自由运作，以产生利润为目标。信用合作社是非营利性机构，并受1934年《信用联盟法》所定义的法规的约束。该法规定，由于信用社可以作为非营利性机构运营，因此它们只能向其所有者提供金融服务，或者信用社也只能通过向会员提供的金融服务来产生收入。由于这种创收限制，信用社必须非常小心，以避免财务趋势下降，因为资源有限，无法扭转这些下降趋势。因此，国家信用社管理局要求所有报告信用社必须建立40个财务比率，以监控其财务状况；但是，即使监视了这40个财务比率，信用合作社仍在失败。因此，创建了一个定量研究，其中使用逻辑回归确定了40个财务比率中的哪个在预测那些实际失败的信用合作社中具有统计学意义。这项研究的目的是确定这40个财务比率中的哪个有可能成为信用社失败的良好预测指标。如果可以制定特定的财务比率列表，则这可能是确定具有下降趋势的信用合作社并允许及早采取纠正措施以防止这些陷入困境的信用合作社失败的有价值的工具。

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  • 作者

    Atchley, Curtis W.;

  • 作者单位

    Northcentral University.;

  • 授予单位 Northcentral University.;
  • 学科 Accounting.;Banking.
  • 学位 Ph.D.
  • 年度 2018
  • 页码 112 p.
  • 总页数 112
  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类
  • 关键词

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