@article{Pang:208985,
      recid = {208985},
      author = {Pang, Xinjun and Kuang, Yunwu and Gong, Xiaohong},
      title = {The Analysis of Credit Using and Rationing Under Farmer's  Risk Attitudes Difference},
      journal = {Asian Agricultural Research},
      address = {2015-04},
      number = {1812-2016-144455},
      pages = {9},
      year = {2015},
      abstract = {This paper conducts a survey of 237 rural households in  Zhangjiagang City, identifies farmers’ risk attitude  through ELCE method and problem design and empirically  studies the relationship between risk attitudes and credit  rationing by utilizing Probit and Logit model. The results  show that farmers’ risk attitude and credit rationing are  in a significant positive correlation. The stronger  farmers’ risk aversion is, the more serious the demanded  credit rationing becomes. Such risk attitude determines the  risk cost and risk premium, thus affecting the credit  behavior and credit rationing degree. In addition, distance  between farmers’ residence far the city and their land  amount have a positive significant influence on credit  rationing, while farmers’ education level, income, family  labor force have a negative significant effect on credit  rationing. Based on these findings, the paper further  analyzes the relationship between farmers’ credit using and  credit rationing as to farmers with different risk  attitudes. Measures to relieve the farmer’s credit  rationing must be taken from government, financial  institutions and farmers, respectively.},
      url = {http://ageconsearch.umn.edu/record/208985},
      doi = {https://doi.org/10.22004/ag.econ.208985},
}