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Credit Insurance,Financial Institutions’ Credit Supply and Farmers’ Loan Decision—Evidence from“Credit + Insurance”for Strawberry Growing in F County
Pages: 45-53
Year: Issue:  8
Journal: Insurance Studies

Keyword:  credit insurancecredit supplyfarmers’ loan decisioncooperative;
Abstract: Based on the bank-insurer interaction and the prospect theory,this paper firstly analyzed the supply side and demand side changes brought about by the launch of credit insurance product. The conclusion was that credit insurance could increase the financial institutions’ willingness to increase credit supply to some extent. However,farmer’s participating in credit insurance had two constraints,namely insurance cost constraint and expected claim constraint. They would choose to participate in credit insurance,and then apply for bank loans only when they broke away from these two constraints. The paper analyzed the case of strawberry credit insurance in county F,Anhui province to further validate the conclusions. Finally,some policy recommendations were put forward.
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