رتبه‏ بندی عوامل تعیین ‏کننده ریسک اعتباری تسهیلات کشاورزی: مطالعه موردی واحدهای پرواربندی استان اردبیل

نوع مقاله : مقاله پژوهشی

نویسندگان

1 دکتری اقتصاد کشاورزی، دانشگاه تهران، تهران، ایران

2 نویسنده مسئول و استادیار گروه اقتصاد کشاورزی، دانشگاه تهران، تهران، ایران

3 دانشجوی دکتری اقتصاد کشاورزی، دانشگاه تهران، تهران، ایران

4 دانش‏ آموخته کارشناسی ارشد علوم اقتصادی، دانشگاه شهید بهشتی، تهران، ایران

چکیده

عملکرد بانک کشاوزی در زمینه وصول مطالبات نشان­دهنده کاهش میزان بازپرداخت تسهیلات است، که ادامه آن می­ تواند یک مسئله جدی برای ادامه حیات مؤسسات مالی و اعتباری باشد. از این رو، هدف مطالعه حاضر رتبه­ بندی عوامل مؤثر بر ریسک اعتباری تسهیلات کشاورزی در واحدهای پرواربندی استان اردبیل بود. اطلاعات مورد نیاز در سال 1397 از طریق پرسشنامه و مصاحبه با کارشناسان بانکی و گیرندگان تسهیلات جمع ­آوری شد. نتایج الگوی لاجیت نشان داد که متغیرهای مشتری قبلی بانک بودن، سال­های بازپرداخت، تجربه، مبلغ تسهیلات و آورده نقدی در سطح پنج درصد و متغیرهای مساحت سالن­ها، مساحت بهاربند، تعداد اقساط، تحصیلات و مالکیت در سطح ده درصد بر بازپرداخت تسهیلات مؤثرند؛ همچنین، بر اساس تحلیل کیفی، از دیدگاه دریافت ­کنندگان تسهیلات، مهم‏ترین عوامل مؤثر بر عدم بازپرداخت عبارت‏اند از نبود نهاده غذایی به قیمت مناسب و عدم حمایت دولت، حوادث طبیعی و عدم ارزیابی طرح با قیمت روز. با توجه به عدم ارزیابی صحیح ظرفیت مالی و کشش اعتباری متقاضی و عدم ارزیابی صحیح پروژه­ ها. بنابراین، برگزاری کلاس ­ها و کارگاه­  های خبره ­پروری و آموزش کارکنان به‏ ویژه نیروهای مرتبط با اعطای تسهیلات و نظارت بر اجرای طرح­ها در راستای افزایش تخصص کارشناسان و مدیران کمیته ­های اعتباری در زمینه طرح ­های مختلف پیشنهاد می­ شود تا از این رهگذر، در اعتبارسنجی متقاضیان دریافت تسهیلات و بررسی اقتصادی و فنی طرح­ ها دقت بیشتری انجام شود.

کلیدواژه‌ها

عنوان مقاله [English]

Ranking of Factors Affecting Credit Risk of Agricultural Facilities: A Case Study of Fattening Units in Ardabil Province of Iran

نویسندگان [English]

  • M Mir 1
  • H. Rafiee 2
  • E. Ensan 3
  • R. Shakeri Bostanabad 3
  • R. Yazdanpanah 4
1 PhD Student in Agricultural Economics, University of Tehran, Tehran, Iran
2 Corresponding Author and Assistant Professor, Department of Agricultural Economics, University of Tehran, Tehran, Iran
3 PhD Student in Agricultural Economics, University of Tehran, Tehran, Iran
4 MA Graduate in Economic Sciences, Shahid Beheshti University, Tehran, Iran
چکیده [English]

The performance of Bank Keshavarzi of Iran (BKI)/ Agriculture Bank of Iran in the field of facility repayment indicates a decrease in the amount of facility repayment, which can be a serious issue for the survival of financial and credit institutions. Therefore, this study aimed at ranking the factors affecting the credit risk of agricultural facilities in fattening units in Ardabil province of Iran. The data was collected in 2019 through questionnaires and interviews with banking experts and facility recipients. The results of the logit model showed that the variables of being a previous customer of the bank, years of repayment, experience, amount of facilities and cash flow at the level of five percent and variables of hall area, farmyard and number of installments, education and ownership at level ten percent would affect the repayment of the facility; in addition, based on qualitative analysis, from the facility recipients’ viewpoints, the most important factors affecting non-repayment would include the lack of food input at a reasonable price and lack of government support, natural disasters and failure to evaluate the plan at the current price.

کلیدواژه‌ها [English]

  • Credit Risk
  • Logit Model
  • Fattening Units
  • Bank Keshavarzi of Iran (BKI)/ Agriculture Bank of Iran
  • Ardabil (Province)

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