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Zhongguo jia ting rong zi tu jing xuan ze : = min jian jin rong huo zheng gui jin rong = Financing Choices of Chinese Households : Formal vs. Informal Channels.

Record Type:	Electronic resources : Monograph/item
Title/Author:	Zhongguo jia ting rong zi tu jing xuan ze :/
Reminder of title:	min jian jin rong huo zheng gui jin rong = Financing Choices of Chinese Households : Formal vs. Informal Channels.
remainder title:	Financing Choices of Chinese Households :
Author:	Zhang, Linchao.
Description:	1 online resource (63 pages)
Notes:	Source: Dissertations Abstracts International, Volume: 77-12, Section: A.
Contained By:	Dissertations Abstracts International77-12A.
Subject:	Finance. -
Online resource:	http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=10109715click for full text (PQDT)
ISBN:	9781339729848

Zhongguo jia ting rong zi tu jing xuan ze : = min jian jin rong huo zheng gui jin rong = Financing Choices of Chinese Households : Formal vs. Informal Channels.
Zhang, Linchao.

Zhongguo jia ting rong zi tu jing xuan ze :min jian jin rong huo zheng gui jin rong = Financing Choices of Chinese Households : Formal vs. Informal Channels.Financing Choices of Chinese Households :Formal vs. Informal Channels. - 1 online resource (63 pages)

Source: Dissertations Abstracts International, Volume: 77-12, Section: A.

Thesis (Ph.D.)--Arizona State University, 2016.

Includes bibliographical references

Informal finance in this paper refers to the financing activities of individuals or households to borrow money through channels other than formal financial institutions such as commercial banks. Using data from China Household Finance Survey (CHFS) conducted by Southwestern University of Finance and Economics (SWUFE) and the People's Bank of China, this paper employs Probit model to analyze the factors that may influence the financing needs of Chinese households and factors that influence their likelihood of obtaining loans from formal financial institutions versus from informal channels. Results show that household wealth, family structure, and household head's characteristics are the major factors that influence their financing needs. Moreover, the results suggest that (a) richer families are more likely to obtain loans from formal financial channels while poorer families are more likely to do so from informal channels; (b) families with stronger social ties are more likely to obtain loans from formal financial channels, but this relationship is weaker in regions where the financial market is more competitive; and (c) the increase of formal financial services is positively related to the probability of households obtaining formal finance, but has no relationship with the probability of households obtaining informal finance. These findings have important implications for finance policy making.

Electronic reproduction.
Ann Arbor, Mich. :
ProQuest,
2023

Mode of access: World Wide Web

ISBN: 9781339729848Subjects--Topical Terms:

542899
Finance.
Subjects--Index Terms:

Formal financeIndex Terms--Genre/Form:

542853
Electronic books.

Zhongguo jia ting rong zi tu jing xuan ze : = min jian jin rong huo zheng gui jin rong = Financing Choices of Chinese Households : Formal vs. Informal Channels.
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500 $a Source: Dissertations Abstracts International, Volume: 77-12, Section: A.
500 $a Publisher info.: Dissertation/Thesis.
500 $a Advisor: Shen, Wei;Chen, Xiaoping.
502 $a Thesis (Ph.D.)--Arizona State University, 2016.
504 $a Includes bibliographical references
520 $a Informal finance in this paper refers to the financing activities of individuals or households to borrow money through channels other than formal financial institutions such as commercial banks. Using data from China Household Finance Survey (CHFS) conducted by Southwestern University of Finance and Economics (SWUFE) and the People's Bank of China, this paper employs Probit model to analyze the factors that may influence the financing needs of Chinese households and factors that influence their likelihood of obtaining loans from formal financial institutions versus from informal channels. Results show that household wealth, family structure, and household head's characteristics are the major factors that influence their financing needs. Moreover, the results suggest that (a) richer families are more likely to obtain loans from formal financial channels while poorer families are more likely to do so from informal channels; (b) families with stronger social ties are more likely to obtain loans from formal financial channels, but this relationship is weaker in regions where the financial market is more competitive; and (c) the increase of formal financial services is positively related to the probability of households obtaining formal finance, but has no relationship with the probability of households obtaining informal finance. These findings have important implications for finance policy making.
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