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Rural banking in China: geographically accessible but still financially excluded?

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  • Godfrey Yeung
  • Canfei He
  • Peng Zhang

Abstract

Rural banking in China: geographically accessible but still financially excluded? Regional Studies. Based on the distribution patterns of rural credit cooperatives in about 2200 counties in 2009, this paper examines two aspects of financial exclusion in rural China after the restructuring of the banking industry. Despite the state's efforts to ensure financial inclusion in rural areas, poor farmers could be spatially included while still being denied loans due to their inability to provide collateral, and the lack of formal credit records. The mismatch between the supply and demand of credit has led to informal loans substituting for formal loans and thus contributed to the proliferation of informal banking in China.

Suggested Citation

  • Godfrey Yeung & Canfei He & Peng Zhang, 2017. "Rural banking in China: geographically accessible but still financially excluded?," Regional Studies, Taylor & Francis Journals, vol. 51(2), pages 297-312, February.
    • Handle: RePEc:taf:regstd:v:51:y:2017:i:2:p:297-312
    DOI: 10.1080/00343404.2015.1100283
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    1. Alan Budd & Nigel Campbell, 1998. "The Roles of the Public and Private Sectors in the U.K. Pension System," NBER Chapters, in: Privatizing Social Security, pages 99-134, National Bureau of Economic Research, Inc.
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    Cited by:

    1. Wang, Jiamei & Chen, Haibin & Zhang, Heng & Luo, Jianchao & Cheng, Mingwang & Zhang, Jiaping, 2022. "Property rights reform and capital adequacy ratios of rural credit cooperatives in China," Economic Modelling, Elsevier, vol. 106(C).
    2. Wang, Xiuhua & Wang, Yipeng & Zhao, Yaxiong, 2022. "Financial permeation and rural poverty reduction Nexus: Further insights from counties in China," China Economic Review, Elsevier, vol. 76(C).
    3. Niu, Geng & Yu, Li & Fan, Gang-Zhi & Zhang, Donghao, 2019. "Corporate fraud, risk avoidance, and housing investment in China," Emerging Markets Review, Elsevier, vol. 39(C), pages 18-33.
    4. Zeng, Miao & Du, Jiang & Zhu, Xiaoyu & Deng, Xin, 2023. "Does internet use drive rural household savings? Evidence from 7825 farmer households in rural China," Finance Research Letters, Elsevier, vol. 57(C).
    5. Bach Nguyen & Nguyen Phuc Canh, 2021. "Formal and informal financing decisions of small businesses," Small Business Economics, Springer, vol. 57(3), pages 1545-1567, October.
    6. Weisong Qiu & Tieqi Wu & Peng Xue, 2022. "Can Mobile Payment Increase Household Income and Mitigate the Lower Income Condition Caused by Health Risks? Evidence from Rural China," IJERPH, MDPI, vol. 19(18), pages 1-15, September.
    7. Zhu, Qianyu & Lyu, Zhongyao & Long, Yan & Wachenheim, Cheryl J., 2022. "Adoption of mobile banking in rural China: Impact of information dissemination channel," Socio-Economic Planning Sciences, Elsevier, vol. 83(C).
    8. Qian, Zongxin & Tu, Yonghong & Zhou, Zinan, 2022. "The impact of financial development on the income and consumption levels of China’s rural residents," Journal of Asian Economics, Elsevier, vol. 83(C).
    9. Shailesh Rastogi & Akanksha Goel & Adesh Doifode, 2023. "Open APIs in banking and inclusive growth: an innovation to support the poverty eradication programs in India," Journal of Banking Regulation, Palgrave Macmillan, vol. 24(4), pages 432-444, December.
    10. Zhao, Chunkai & Wu, Yaqian & Guo, Jianhao, 2022. "Mobile payment and Chinese rural household consumption," China Economic Review, Elsevier, vol. 71(C).

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