英文文献：Credit Scoring Models in Illinois by Farm Type: Hog, Dairy, Beef and Grain-伊利诺斯州农场类型的信用评分模型:猪、乳制品、牛肉和谷物
英文文献作者：Durguner, Seda,Katchova, Ani L.
英文文献摘要：
Employing a logit model and farm-level data for Illinois from 1995 to 2004, this study explores the importance of farm-type differences in the development of credit scoring models. Apart from the conclusion that regional credit scoring models specific to each farm type are needed, the following are identified as the most pertinent factors for explaining creditworthiness: previous year's working capital to gross farm return, the debt-to-asset ratio, and return on farm assets. Furthermore, beef farms have a larger marginal effect compared to grain farms on the probability of the farmer being highly creditworthy. Hog farms differ from grain farms in how the following financial characteristics affect farmer creditworthiness: solvency, profitability, and financial efficiency. These separate credit scoring models result in increased expected profit for the lender, better capital management, less bankruptcy, and less burden on the government and tax payers.

本研究采用logit模型和伊利诺斯州1995年至2004年的农业水平数据，探讨了农业类型差异在信用评分模型发展中的重要性。除了需要针对每种农场类型的区域信用评分模型的结论外，以下因素被认为是解释信用度最相关的因素:上一年的营运资本对农场总回报、债务资产比率和农场资产回报率。此外，与谷类农场相比，肉牛农场对农民的高信用概率有更大的边际效应。养猪场与谷物场的不同之处在于，下列财务特征如何影响农民的信用度:偿债能力、盈利能力和财务效率。这些独立的信用评分模型增加了贷款人的预期利润，改善了资本管理，减少了破产，减轻了政府和纳税人的负担。