Rural Household Finance In Chinai A Study On Peasant Household Cooperative Financial Institutions In China From The Perspective Of The Household Contract System

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Rural Household Finance in ChinaI- A Study on Peasant Household Cooperative Financial Institutions in China from the Perspective of the Household Contract System

Author : Fan Dijun
Publisher : Paths International Ltd
ISBN 13 : 1844644405
Total Pages : 358 pages
Book Rating : 4.8/5 (446 download)

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Book Synopsis Rural Household Finance in ChinaI- A Study on Peasant Household Cooperative Financial Institutions in China from the Perspective of the Household Contract System by : Fan Dijun

Download or read book Rural Household Finance in ChinaI- A Study on Peasant Household Cooperative Financial Institutions in China from the Perspective of the Household Contract System written by Fan Dijun and published by Paths International Ltd. This book was released on 2016-01-30 with total page 358 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book analyses the financial and rural economic reform of China.Since China started the "e;revolution"e; of the rural economy in 1978 a series of reforms has been implemented in the area of rural finance focusing on institutional changes. Looking back on these "e;historical changes"e;, we can find that there is still a long way to go. China's Central Government has put forward a new concept in the rural financial system. In this book, with cases from Fengyang County and Anhui Province, the birthplace of Chinese rural reform, the author tries to study how to set up a modern rural financial system under the framework of incentive compatible mechanism theory, which was advanced by Nobel prize winners L. Hurwicz, Myeson and Maskin.This book summarizes the reform of China's rural economics and the function of financial cooperation within this policy. Few scholars have studied this subject thoroughly. As rural financial cooperation becomes the hot spot of China's economic and finance reform, this book is both useful and unique. This book contains nine chapters. Chapter 1 is an introduction in which the central issue has been put forward and a survey has been made on the literature of rural finance in China and abroad. It has outlined the framework and contents and introduced the research methodology and possible innovations. And it has also proposed the direction and major issues for further research. Chapter 2 illustrates the main theories on which this research is based, including peasant economy theory and the incentive compatibility theory. Chapter 3 analyses rural households' financial needs under the Household Contract Responsibility System and investigates rural households' economic behaviors, saving behaviors and lending behaviors, as well as their demand constraint. By analyzing the cause and goal of the exogenous financial institutional arrangements, and also the performance of its institutional supply, chapter 4 reveals the incentive incompatibility of rural exogenous financial institutions. Chapter 5 looks at the evolution of the rural endogenous financial institution and reveals the causes of its repression in the state's preference of financial institution from a historical perspective. Based on the incentive compatible mechanism, chapter 6 puts forward two models of rural household cooperative financial institution, namely, peasant credit cooperative and federation of rural credit cooperatives. Based on analyzing the credit basis of rural household cooperative financial institution (village culture) and its compatibility with the family contract system, chapter 7 shows the effectiveness of the institutional arrangements of rural household cooperative finance with the game analysis of rural households in relation with the exogenous and endogenous financial institutions and also from a comparative analysis of transaction costs and competitiveness. Chapter 8 tries to apply the model of institutions into practice. Through pilot experiment, it investigates the setting up and operation of peasant credit cooperatives and the Federation of Peasant Credit Cooperative in Fengyang County of Anhui Province, the birthplace of China's rural economic reform. With a comparative analysis of the performance of rural credit unions and village-township banks, it proves the effectiveness of the institutional arrangements of rural household cooperative finance. Chapter 9 is based on theoretical research and case studies, and draws a conclusion, and proposes corresponding policy-orientations.

Finance in Rural China

Author : Xingyuan Feng
Publisher : Taylor & Francis
ISBN 13 : 1000843440
Total Pages : 221 pages
Book Rating : 4.0/5 (8 download)

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Book Synopsis Finance in Rural China by : Xingyuan Feng

Download or read book Finance in Rural China written by Xingyuan Feng and published by Taylor & Francis. This book was released on 2023-03-24 with total page 221 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book offers insights into the scholarly debates on formal and informal finance in rural China and fills a gap in the existing literature. The book provides an overview of the overall development of rural finance in China and explains the necessity of embarking on the pathway toward rural financial pluralization through the "Local Knowledge Paradigm". The authors also analyze formal and informal financial development and inclusive finance (including digital inclusive finance) in rural China in various dimensions. This book aids the understanding of the structure of the rural financial system and the operations of rural financial service providers in China. It will be a useful reference for those researching and interested in rural economy and rural finance.

Report on the Development of Household Finance in Rural China (2014)

Author : Li Gan
Publisher : Springer
ISBN 13 : 9811004099
Total Pages : 144 pages
Book Rating : 4.8/5 (11 download)

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Book Synopsis Report on the Development of Household Finance in Rural China (2014) by : Li Gan

Download or read book Report on the Development of Household Finance in Rural China (2014) written by Li Gan and published by Springer. This book was released on 2016-03-17 with total page 144 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book reports on the development of household finances in rural China. It is based on the results of an on-site survey conducted door to door by a research team from the Survey and Research Center for China Household Finance, the largest survey center in China – and perhaps the world – that specializes in Chinese household finances. Directed by financial experts that enjoy the highest honors in their field and the largest interviewer group in China, it reveals the most realistic picture of rural China available today and highlights a topic about which people worry most: household finances. By reading this inspiring report, readers will be able to better understand China from a household finance perspective.

The Household Finance Issues in China

Author : Sibo Zhao
Publisher : Springer Nature
ISBN 13 : 9819707064
Total Pages : 184 pages
Book Rating : 4.8/5 (197 download)

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Book Synopsis The Household Finance Issues in China by : Sibo Zhao

Download or read book The Household Finance Issues in China written by Sibo Zhao and published by Springer Nature. This book was released on with total page 184 pages. Available in PDF, EPUB and Kindle. Book excerpt:

China's Rural Financial System

Author : Yuepeng Zhao
Publisher : Routledge
ISBN 13 : 1136929916
Total Pages : 230 pages
Book Rating : 4.1/5 (369 download)

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Book Synopsis China's Rural Financial System by : Yuepeng Zhao

Download or read book China's Rural Financial System written by Yuepeng Zhao and published by Routledge. This book was released on 2010-10-04 with total page 230 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book examines the credit needs and the borrowing behaviour of rural households in China in recent years. It is based on in-depth analysis of the status of households’ indebtedness and borrowing behaviour; the performance of Rural Credit Cooperatives (RCCs), as well as resources of informal finance. Before 2006, RCCs are virtually the only source of formal credit for rural households in China and were subject to a series of reforms from 1996 to 2003. The reforms aimed to transform RCCs into market-oriented institutions and, more importantly, help them meet the increasing demands of farmers for varied financial services, and thereby contribute effectively to economic transformation in rural China. Based on a micro-study of three villages, at different stages of development with dissimilar economic characteristics in Jiangxi province, this book investigates the sources of finance, formal and informal, in rural areas and the different types of credit that farmers require. It examines the patterns of credit required by rural households at different stages of agricultural processes, and the institutions from which they obtain loans. It demonstrates the importance of innovative institutional arrangements in rural China and new instruments that give farmers access to formal rural financial markets and enable them to utilize credit effectively, concluding that further reforms to RCCs are necessary for RCCs to be truly effective.

Credit Systems for the Rural Poor in China

Author : Ling Zhu
Publisher :
ISBN 13 :
Total Pages : 154 pages
Book Rating : 4.:/5 (318 download)

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Book Synopsis Credit Systems for the Rural Poor in China by : Ling Zhu

Download or read book Credit Systems for the Rural Poor in China written by Ling Zhu and published by . This book was released on 1997 with total page 154 pages. Available in PDF, EPUB and Kindle. Book excerpt: The general aim of this study is to provide an analysis of the operation of China's rural financial system.

Financial Institutions in Rural China

Author : Tong Li
Publisher :
ISBN 13 :
Total Pages : 214 pages
Book Rating : 4.3/5 (121 download)

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Book Synopsis Financial Institutions in Rural China by : Tong Li

Download or read book Financial Institutions in Rural China written by Tong Li and published by . This book was released on 2005 with total page 214 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Rural Finance in Poverty-Stricken Areas in the People's Republic of China

Author : Xuechun Zhang
Publisher : Asian Development Bank
ISBN 13 : 9292547631
Total Pages : 495 pages
Book Rating : 4.2/5 (925 download)

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Book Synopsis Rural Finance in Poverty-Stricken Areas in the People's Republic of China by : Xuechun Zhang

Download or read book Rural Finance in Poverty-Stricken Areas in the People's Republic of China written by Xuechun Zhang and published by Asian Development Bank. This book was released on 2010-05-01 with total page 495 pages. Available in PDF, EPUB and Kindle. Book excerpt: Local financial institutions represent the best choices in the financial system for small and medium-sized enterprises and farming households. Government agencies in the People's Republic of China (PRC) have proposed policies that would relax market entry criteria and allow the creation of diversified rural financial institutions. These measures will help improve PRC's financial market structure, promote better rural financial services, enable financing of labor-intensive economic activities, and promote socioeconomic development. This publication offers an overview of rural finance in the PRC, examines current financial policy and models, and offers recommendations for future reform measures.

Informal Finance in China

Author : Jianjun Li
Publisher :
ISBN 13 : 0195380649
Total Pages : 216 pages
Book Rating : 4.1/5 (953 download)

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Book Synopsis Informal Finance in China by : Jianjun Li

Download or read book Informal Finance in China written by Jianjun Li and published by . This book was released on 2009 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt: Informal finance consists of nonbank financing activities, whether conducted through family and friends, local money houses, or other types of financial associations. It has provided much-needed financing to small and medium enterprises (SMEs) in particular, in the face of a tightly constrained and overburdened formal banking system. Unable to obtain a bank loan, firms have relied upon individuals and informal organizations outside of the banking system to obtain financing for their ventures or working capital (operating funds). Presently there is a scarcity of information on informal finance in China and it is expected to have a significant impact upon GDP and money supply. This book, with contributions from leading scholars, describes the evolution, characteristics, and variation of informal finance in China from American and Chinese perspectives. Literature by Jiang Shuxia, Jiang Xuzhao, and Li Jianjun has heretofore been available only in Chinese, while work by Kellee Tsai, Jianwen Liao, Harold Welsch, David Pistrui, and Sara Hsu has been available in English. For the first time, they come together to discuss informal financing and its many aspects. Most of the essays are based upon original survey research conducted locally, as this type of data is not normally collected by the government. The papers pioneer the description and analysis of the nuances of informal finance from several perspectives; the authors look at the social, cultural, political, and economic causes of informal finance, its many variations, and its economic, personal, and political ramifications.

Household Finance in China

Author : Russell W. Cooper
Publisher :
ISBN 13 :
Total Pages : 0 pages
Book Rating : 4.:/5 (15 download)

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Book Synopsis Household Finance in China by : Russell W. Cooper

Download or read book Household Finance in China written by Russell W. Cooper and published by . This book was released on 2017 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper studies household finance in China, focusing on the high savings rate, the low participation rate in the stock market, and the low stock share in household portfolios. These salient features are studied in a lifecycle model in which households receive both income and medical expense shocks and decide on stock market participation and portfolio adjustment. The structural estimation explicitly takes into account important regime changes in China, such as the re-opening of the stock market, the privatization of the housing market and the labor market reforms that changed household income processes. The paper also compares household finance patterns in China to those in the US, and shows that between-country differences in financial choices are driven by both institutional factors (e.g. higher costs associated with stock market participation and a lower consumption floor in China) and preferences (e.g. higher discount factors of Chinese households).

Financing China's Rural Enterprises

Author : Dr Jun Li
Publisher : Routledge
ISBN 13 : 1134434030
Total Pages : 210 pages
Book Rating : 4.1/5 (344 download)

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Book Synopsis Financing China's Rural Enterprises by : Dr Jun Li

Download or read book Financing China's Rural Enterprises written by Dr Jun Li and published by Routledge. This book was released on 2003-08-29 with total page 210 pages. Available in PDF, EPUB and Kindle. Book excerpt: Rural enterprises have played an important role in the extraordinary success of China's economy over the last two decades. They have greatly increased off-farm employment in rural areas and brought substantially increased incomes and standards of living to many rural people. Jun Li provides a comprehensive analysis of the financing of China's rural enterprises over the reform period, and discusses the key aspects of rural enterprise development in China, including the growth of rural enterprises and enterprise-level behaviour, the role of state policy, rural financial institutions and local government. Brings new and challenging analysis to the current debate on the Chinese financial system and the financing of SMEs.

Chinese Rural Cooperative Finance in the Era of Post-Commercialized Rural Credit Cooperatives

Author : Lynette H. Ong
Publisher :
ISBN 13 :
Total Pages : 21 pages
Book Rating : 4.:/5 (13 download)

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Book Synopsis Chinese Rural Cooperative Finance in the Era of Post-Commercialized Rural Credit Cooperatives by : Lynette H. Ong

Download or read book Chinese Rural Cooperative Finance in the Era of Post-Commercialized Rural Credit Cooperatives written by Lynette H. Ong and published by . This book was released on 2015 with total page 21 pages. Available in PDF, EPUB and Kindle. Book excerpt: Rural credit cooperatives have become increasingly commercialized over the last decade. However, this does not spell the end of cooperative finance in rural China. Various new cooperative credit organizations have sprung up in recent years with endorsement from the central and local governments. They are designed to meet the wise-ranging credit demand of rural households and microenterprises that are increasingly left behind by formal credit institutions. Rural mutual aid funds (nongcun zijin huzhushe) are a cornerstone of cooperative finance in rural China, filling in the market gap left behind by commercialized financial institutions.

Dual Credit Markets and Household Access to Finance

Author : Robert Cull
Publisher :
ISBN 13 :
Total Pages : 44 pages
Book Rating : 4.:/5 (13 download)

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Book Synopsis Dual Credit Markets and Household Access to Finance by : Robert Cull

Download or read book Dual Credit Markets and Household Access to Finance written by Robert Cull and published by . This book was released on 2018 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt: Using a new and representative data set of Chinese household finance, this paper documents household access to and costs of finance, along with their correlates. As in most developing countries, informal finance is a crucial element of household finance, and wealth tends to be associated with better access to formal and informal finance. Better financial knowledge shifts loan portfolios toward formal sources relative to informal ones. Connections to the Communist Party are associated with significantly better access to finance in rural areas but not in urban areas. A larger social network is positively associated with access to informal finance. Controlling for household characteristics, rural residents pay interest rates on loans similar to urban residents. Younger residents pay higher rates, while households on firmer economic footing face lower rates. Taking financial classes and college education is associated with higher interest rates for urban residents, suggesting perhaps that financial knowledge coincides with greater demand for credit in areas with more economic opportunity. Overall, the findings suggest that Chinese residents face dual credit markets, with the poor, young, those with poor financial knowledge, and those with larger family sizes relying much more on informal finance, while others are better able to access formal finance.

Infrastructure, Urbanization, and the Financial Inclusion of Chinese Households

Author : Angela Lyons
Publisher :
ISBN 13 :
Total Pages : 36 pages
Book Rating : 4.:/5 (13 download)

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Book Synopsis Infrastructure, Urbanization, and the Financial Inclusion of Chinese Households by : Angela Lyons

Download or read book Infrastructure, Urbanization, and the Financial Inclusion of Chinese Households written by Angela Lyons and published by . This book was released on 2017 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial inclusion plays an important role in giving households greater access to borrowing opportunities, which in turn can be used to improve human capital accumulation, socioeconomic status, and long-run economic development. One way to enhance households' access to and usage of the financial system, especially the formal banking system, is to ensure that an adequate infrastructure exists within their community. This study uses data from the 2013 Chinese Household Finance Survey to investigate how the infrastructure affects the usage of formal bank loans for both urban and rural households in the People's Republic of China (PRC). The analysis is extended to investigate the impacts of the infrastructure on non-bank loans. The results suggest that the infrastructure, in a variety of forms (e.g., physical, financial, technological, social, and informational), is significantly associated with the loan demand--most notably for urban households using formal bank loans. Further, those living in more urbanized areas and megacities are less likely to demand bank and non-bank loans even after controlling for other factors, suggesting that there may be an “urbanization effect” that is dampening credit access and usage. The potential endogeneity between the infrastructure and the loan demand is taken into consideration. The results show that decisions related to the loan demand and infrastructure mostly appear to be made independently. The findings from this research have important implications for the PRC and other countries working on national strategies aimed at improving financial inclusion, especially the expansion of bank credit in rapidly growing urbanized areas, where the infrastructure may be reaching capacity.

The Impact of Financial Knowledge on the Allocation of Household Assets - Evidence from China

Author : Hongming Zhang
Publisher :
ISBN 13 :
Total Pages : 20 pages
Book Rating : 4.:/5 (13 download)

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Book Synopsis The Impact of Financial Knowledge on the Allocation of Household Assets - Evidence from China by : Hongming Zhang

Download or read book The Impact of Financial Knowledge on the Allocation of Household Assets - Evidence from China written by Hongming Zhang and published by . This book was released on 2019 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper studies the impact of family finance knowledge on household asset allocation through China Household Financial Survey Data (CHFS). The study found that the increase in family financial knowledge will significantly increase the diversity of household asset allocation and promote more family participation in financial markets. This conclusion is still significant after being subdivided into money market and capital market. In addition, this paper also finds that household purchase of self-owned housing has a significant crowding out effect on its investment financial market. The increase in education level and risk appetite will increase the diversification of household asset allocation, and the ability of households from rural areas in China to take risks is lower, its assets are mostly deployed in the lower risk currency market.

Making Of An Economic Superpower, The: Unlocking China's Secret Of Rapid Industrialization

Author : Yi Wen
Publisher : World Scientific
ISBN 13 : 9814733741
Total Pages : 336 pages
Book Rating : 4.8/5 (147 download)

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Book Synopsis Making Of An Economic Superpower, The: Unlocking China's Secret Of Rapid Industrialization by : Yi Wen

Download or read book Making Of An Economic Superpower, The: Unlocking China's Secret Of Rapid Industrialization written by Yi Wen and published by World Scientific. This book was released on 2016-05-13 with total page 336 pages. Available in PDF, EPUB and Kindle. Book excerpt: The rise of China is no doubt one of the most important events in world economic history since the Industrial Revolution. Mainstream economics, especially the institutional theory of economic development based on a dichotomy of extractive vs. inclusive political institutions, is highly inadequate in explaining China's rise. This book argues that only a radical reinterpretation of the history of the Industrial Revolution and the rise of the West (as incorrectly portrayed by the institutional theory) can fully explain China's growth miracle and why the determined rise of China is unstoppable despite its current 'backward' financial system and political institutions. Conversely, China's spectacular and rapid transformation from an impoverished agrarian society to a formidable industrial superpower sheds considerable light on the fundamental shortcomings of the institutional theory and mainstream 'blackboard' economic models, and provides more-accurate reevaluations of historical episodes such as Africa's enduring poverty trap despite radical political and economic reforms, Latin America's lost decades and frequent debt crises, 19th century Europe's great escape from the Malthusian trap, and the Industrial Revolution itself.

Gender in Agriculture Sourcebook

Author : World Bank
Publisher : World Bank Publications
ISBN 13 : 0821375881
Total Pages : 792 pages
Book Rating : 4.8/5 (213 download)

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Book Synopsis Gender in Agriculture Sourcebook by : World Bank

Download or read book Gender in Agriculture Sourcebook written by World Bank and published by World Bank Publications. This book was released on 2008-10-07 with total page 792 pages. Available in PDF, EPUB and Kindle. Book excerpt: The 'Gender in Agriculture Sourcebook' provides an up-to-date understanding of gender issues and a rich compilation of compelling evidence of good practices and lessons learned to guide practitioners in integrating gender dimensions into agricultural projects and programs. It is serves as a tool for: guidance; showcasing key principles in integrating gender into projects; stimulating the imagination of practitioners to apply lessons learned, experiences, and innovations to the design of future support and investment in the agriculture sector. The Sourcebook draws on a wide range of experience from World Bank, Food and Agriculture Organization (FAO), International Fund for Agricultural Development (IFAD), and other donor agencies, governments, institutions, and groups active in agricultural development. The Sourcebook looks at: access to and control of assets; access to markets, information and organization; and capacity to manage risk and vulnerability through a gender lens. There are 16 modules covering themes of cross-cutting importance for agriculture with strong gender dimensions (Policy, Public Administration and Governance; Agricultural Innovation and Education; Food Security; Markets; Rural Finance; Rural Infrastructure; Water; Land; Labor; Natural Resource Management; and Disaster and Post-Conflict Management) and specific subsectors in agriculture (Crops, Livestock, Forestry, and Fisheries). A separate module on Monitoring and Evaluation is included, responding to the need to track implementation and development impact. Each module contains three different sub-units: (1) A Module Overview gives a broad introduction to the topic and provides a summary of major development issues in the sector and rationale of looking at gender dimension; (2) Thematic Notes provide a brief and technically sound guide in gender integration in selected themes with lessons learned, guidelines, checklists, organizing principles, key questions, and key performance indicators; and (3) Innovative Activity Profiles describe the design and innovative features of recent and exciting projects and activities that have been implemented or are ongoing.