The link between credit markets and self-employment choice among households in rural China

被引：17
|
作者：
Han Linghui [1 ,2 ]
Hare, Denise [3 ]
机构：
[1] Minist Finance, Beijing, Peoples R China
[2] Tsinghua Univ, Natl Inst Fiscal Studies, Beijing, Peoples R China
[3] Reed Coll, Portland, OR 97202 USA
来源：
JOURNAL OF ASIAN ECONOMICS | 2013年 / 26卷
关键词：
Rural credit markets; Self-employment; Asia; China;
D O I：
10.1016/j.asieco.2013.04.008
中图分类号：
F [经济];
学科分类号：
02 ;
摘要：
Our paper examines how credit markets operate through wealth to influence households' entrepreneurial choices. Our results show that policy-led bank branch withdrawal in rural China has a significant negative impact on credit availability to rural households, though unexpectedly the effect is felt more strongly in informal than formal credit markets. Furthermore, we observe that self-employment is impeded by reductions in wealth associated with credit contraction. Policies which provide more and better formal financial services to rural households are predicted to increase the flow of credit, through both formal and informal channels, thereby supporting accumulation, diversification, and economic growth. (C) 2013 Elsevier Inc. All rights reserved.
引用
收藏
页码：52 / 64
页数：13
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