A platform for research: civil engineering, architecture and urbanism
A platform for research: civil engineering, architecture and urbanism
Rural banking in China: geographically accessible but still financially excluded?
Rural banking in China: geographically accessible but still financially excluded? Regional Studies. Based on the distribution patterns of rural credit cooperatives in about 2200 counties in 2009, this paper examines two aspects of financial exclusion in rural China after the restructuring of the banking industry. Despite the state's efforts to ensure financial inclusion in rural areas, poor farmers could be spatially included while still being denied loans due to their inability to provide collateral, and the lack of formal credit records. The mismatch between the supply and demand of credit has led to informal loans substituting for formal loans and thus contributed to the proliferation of informal banking in China.
Rural banking in China: geographically accessible but still financially excluded?
Rural banking in China: geographically accessible but still financially excluded? Regional Studies. Based on the distribution patterns of rural credit cooperatives in about 2200 counties in 2009, this paper examines two aspects of financial exclusion in rural China after the restructuring of the banking industry. Despite the state's efforts to ensure financial inclusion in rural areas, poor farmers could be spatially included while still being denied loans due to their inability to provide collateral, and the lack of formal credit records. The mismatch between the supply and demand of credit has led to informal loans substituting for formal loans and thus contributed to the proliferation of informal banking in China.
Rural banking in China: geographically accessible but still financially excluded?
Yeung, Godfrey (author) / He, Canfei (author) / Zhang, Peng (author)
Regional Studies ; 51 ; 297-312
2017-02-01
16 pages
Article (Journal)
Electronic Resource
English
rural banking , geographical exclusion , financial exclusion , China , 农村银行业 , 地域排斥 , 金融排斥 , 中国 , services bancaires en milieu rural , exclusion géographique , exclusion financière , Chine , bankwesen in ländlichen gebieten , geografische ausgrenzung , finanzielle ausgrenzung , banca rural , exclusión geográfica , exclusión financiera , L89 , P25 , P30 , R51
Rural Banking in China: Geographically Accessible but still Financially Excluded?
| Online Contents | 2015
Rural banking in China: geographically accessible but still financially excluded?
| Online Contents | 2017
| Wiley | 2020