Abstract
This chapter analyzes the financial behavior of rural households including the participation behavior of rural households in the financial market, agricultural production and management loans of rural households, private lending of rural households, and financial knowledge and behavior of rural households according to the databases of China Rural Household Panel Survey (CRHPS) by Zhejiang University and China Household Finance Survey (CHFS).
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Notes
- 1.
The community questionnaires asked the number of bank outlets including rural credit cooperatives and postal savings within the administrative areas of the villages where the respondents were located.
- 2.
If one does not get bank loans due to “demanding for loans but not applying to banks for them” or “being rejected when applying for loans”, we call this phenomenon “credit constraints”. That is, there is demand for credit but people cannot obtain loans for personal or other reasons. Another “credit constraints” refers to a situation where the amount of the loan that is actually received is less than the amount of the loan that is applied for or demanded.
- 3.
The pass rate of loans is obtained by dividing the number of households that have got loans by the number of households that applied for loans.
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Qian et al., W. (2020). Financial Behavior of Rural Households. In: The Economy of Chinese Rural Households. Palgrave Macmillan, Singapore. https://doi.org/10.1007/978-981-13-8591-9_5
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DOI: https://doi.org/10.1007/978-981-13-8591-9_5
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Publisher Name: Palgrave Macmillan, Singapore
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