Agricultural Lending Decision: A Multiattribute Analysis
从贷款官员个人视角分析农业贷款决策过程，通过因子设计实验检验不同标准对贷款申请的影响及权衡程度，模型解释力强且能揭示决策机制。
Abstract This paper examines the agdcultural loan decision process from the perspective of the individual loan officer. An analysis of this process concerns the relative effects of various criteria on the loan application and the degree to which tradeoffs are made among them by the loan officer. The theoretical model is empirically tested using a set of factorially designed combinations of these variables. This format avoids several of the problems previously encountered when the iending process has been empirically examined. The model not only exhibits a high degree of explanatory power but also permits important insights into this process.