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- KurzbeschreibungChina has become one of the world s biggest growth <br>engines. However, it is always critical to note that <br>China has a financial system that is dominated by <br>banking sector: one that is dominated by state-owned <br>banks, and banks that heavily favor state-owned <br>large corporations. Small and medium enterprises in <br>China generally experience a lack of access to <br>business capital. This is especially true in rural <br>area, where households are business units in need of <br>seasonal credit but with hardly any collateral. It <br>is therefore interesting to investigate the lending <br>situation in rural areas to see how informal lending <br>fills in the gap between demand for credit and <br>supply of credit by government and banks. Using data <br>from household surveys, the author found that <br>poverty alleviation loans are not reaching the <br>poorest segments of the rural population. <br>Furthermore, private lending is the most important <br>source of credit in rural China, and factors such as <br>higher disposable income and level of education lead <br>to more borrowing at the household level.
- AutorTong Li
- Seiten104 Seiten
- Gewicht152 g
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