首页> 外文期刊>Journal of Agribusiness >Determinants of FSA direct loan borrowers' financial improvement and loan servicing actions.
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Determinants of FSA direct loan borrowers' financial improvement and loan servicing actions.

机译:FSA直接贷款借款人的财务改善和贷款服务行为的决定因素。

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摘要

Regression models of Farm Service Agency borrower net worth, debt-to-asset ratio, and loan servicing actions over an average seven-year period following loan origination are estimated to identify determinants of borrower financial progress over time. Results show significantly increasing net worth and debt-to-asset ratio. The change in net worth increases and the change in debt-to-asset ratio decreases as time in loan program increases. Increasing origination net worth tends to decrease loan servicing actions. Socially disadvantaged and beginning farmer loans perform similarly to nonprogram loans. Borrowers originating limited resource loans experience significant net worth impacts relative to borrowers originating regular FSA loans.
机译:估算农业服务局借款人的净资产,债务资产比率和贷款发放后的平均七年期间的偿还贷款行为的回归模型,以确定随着时间推移借款人财务进度的决定因素。结果显示,净资产和债务资产比率显着提高。随着贷款计划时间的增加,净资产的变化增加,债务资产比率的变化减少。增加原始资产净值往往会减少贷款服务行为。社会处境不利和农民贷款初期的表现与非计划贷款类似。相对于源于常规FSA贷款的借款人,源于有限资源贷款的借款人的净资产影响重大。

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