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Financial Institutions in Rural China

Li:Financial Institutions in Rural Chin
Autor: Tong Li
Verfügbarkeit: Auf Lager.
Artikelnummer: 994121
ISBN / EAN: 9783639153835

Verfügbarkeit: sofort lieferbar

49,00 €
Inkl. MwSt. , zzgl. Versandkosten


  • Autor:
  • Verlag: VDM Verlag Dr. Müller
  • ISBN / EAN: 9783639153835
  • Bindung: Taschenbuch


China has become one of the world s biggest growth §engines. However, it is always critical to note that §China has a financial system that is dominated by §banking sector: one that is dominated by state-owned §banks, and banks that heavily favor state-owned §large corporations. Small and medium enterprises in §China generally experience a lack of access to §business capital. This is especially true in rural §area, where households are business units in need of §seasonal credit but with hardly any collateral. It §is therefore interesting to investigate the lending §situation in rural areas to see how informal lending §fills in the gap between demand for credit and §supply of credit by government and banks. Using data §from household surveys, the author found that §poverty alleviation loans are not reaching the §poorest segments of the rural population. §Furthermore, private lending is the most important §source of credit in rural China, and factors such as §higher disposable income and level of education lead §to more borrowing at the household level.

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