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The Urban–Rural Gap of Chinese Household Finance

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  • Yubing Sui
  • Geng Niu

Abstract

Using data from a large household survey, we investigate the size of China’s urban–rural gap in ownership of bank deposits, risky financial assets, and credit cards. We further examine the factors underlying the gap using decomposition analysis. Compared to their urban counterparts, rural Chinese are much less likely to own a variety of financial products. Both demand-side barriers and supply-side barriers to financial inclusion exist in China. More, we use instrumental variable analysis to address the endogeneity of the local supply of financial service. Above all, our study indicates that a large financial services vacuum in rural areas needs to be filled.

Suggested Citation

  • Yubing Sui & Geng Niu, 2018. "The Urban–Rural Gap of Chinese Household Finance," Emerging Markets Finance and Trade, Taylor & Francis Journals, vol. 54(2), pages 377-392, January.
    • Handle: RePEc:mes:emfitr:v:54:y:2018:i:2:p:377-392
    DOI: 10.1080/1540496X.2017.1367660
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    Cited by:

    1. Yin, Zhichao & Liu, Jiayi & Wang, Yumeng, 2023. "Fertility policy and stock market participation: Evidence from the universal two-child policy in China," International Review of Financial Analysis, Elsevier, vol. 86(C).

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