Abstract The paper analyzes the effect factors of the households’ default of credit on the basis of 400 farmers' questionnaire from Weinan Shanxi by the Variance and Logistic Regression Model. The results show that factors such as education level of the household head, households’ income and the sources, the farming portfplio the credit and debt practices have significant effects for the households' credit default. The farmers' management ability, households’ economic structure, income and the design of the credit products are the key consideration for the default of the credit. It is advised to improve the farmers’ management capabilitiy, enlarge their income sources and improve the financial services.
ZHANG Yun-Yan,WANG Fang,LUO Jian-Chao. An Empirical Study on the Influence Factors of Households’ Normal Credit Default. Economic Survey, 2013, 1(2): 033.
2013, Vol. 1 
