Dependent variables

Credit rationing

0 = “no credit rationing”, 1 = “having credit rationing”

Independent variables

Distance

(Kilometer)

Village types

1 = central village, 2 = non-central village

Education

1 = elementary school and less, 2 = middle school, 3 = high school, 4 = college and higher

Leader

1 = yes, 2 = no

Household annual average income

1 = less than 10,000 yuan, 2 = 10,000 - 30,000 yuan, 3 = 30,000 - 50,000 yuan, 4 = 50,000 - 70,000 yuan, 5 = 70,000 - 100,000 yuan, 6 = more than 100,000 yuan

Labor

(Person)

Household scale

(Person)

Age

1 = below 30, 2 = 30 - 40, 3 = 40 - 50, 4 = 50 - 60, 5 = more than 60

Land

(mu)

Credit using

−1 = basic living credit, 0 = improvement credit, 1 = investment credit

Risk attitude

−1 = risk lover, 0 = risk neutral, 1 = risk averse