文章基本信息

标题：Determinants of FSA Direct Loan Borrowers' Financial Improvement and Loan Servicing Actions
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作者：Dixon, Bruce L. ; Ahrendsen, Bruce L. ; Landerito, Aiko O. 等
期刊名称：Journal of Agribusiness
印刷版ISSN：0738-8950
出版年度：2010
卷号：28
期号：2
页码：131-149
出版社：Journal of Agribusiness
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.
关键词：direct loans;Farm Service Agency;negative binomial;servicing actions