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Dual Credit Markets and Household Usage to Finance: Evidence from a Representative Chinese Household Survey

机译：双重信用市场和家庭用法融资：来自代表性的中国家庭调查的证据

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Abstract >Using a new and representative data set of Chinese household finance, we document household usage and costs of finance, along with their correlates. As in many developing countries, informal credit is a crucial element of household finance, and interest‐free informal loans based on reciprocal personal relationships are highly prevalent in our sample. Not surprisingly, wealth tends to be associated with greater usage of both formal and informal finance. Political connections, extensive social networks and certain household demographic characteristics (such as size) are all positively associated with formal or informal credit usage (or both). Overall, our findings show signs that a dual credit market is emerging in China, with the poor, politically unconnected, and those with larger family sizes still heavily reliant on informal finance, most of which are interest‐free, while younger, wealthier households with better political connections and financial knowledge are increasingly using formal finance. </abstract> </span> <span class="z_kbtn z_kbtnclass hoverxs" style="display: none;">展开▼</span> </div> <div class="translation abstracttxt"> <span class="zhankaihshouqi fivelineshidden" id="abstract"> <span>机译：</span><Abstract Type =“Main”XML：ID =“OBES12320-ABS-0001”XML：LANG =“EN”> <标题类型=“main”>抽象</ title> >使用中国家庭财务的新和代表数据集，我们记录家庭使用和财务成本，以及其相关性。与许多发展中国家一样，非正式信贷是家庭金融的关键因素，而基于互惠性个人关系的利息非正式贷款在我们的样本中非常普遍。毫不奇怪，财富往往与正式和非正式金融的更多使用情况有关。政治联系，广泛的社交网络和某些家庭人口统计特征（如尺寸）都与正式或非正式信用使用情况正相关（或两者）。总体而言，我们的调查结果表明，在中国出现了双重信用市场，具有穷人，政治上的未连接，以及具有较大家庭尺寸的人仍然严重依赖非正式金融，其中大部分是免费的，而年轻人是年轻的更好的政治联系和金融知识越来越多地使用正式的金融。</ p> </摘要> </span> <span class="z_kbtn z_kbtnclass hoverxs" style="display: none;">展开▼</span> </div> </div> <div class="record"> <h2 class="all_title" id="enpatent33" >著录项</h2> <ul> <li> <span class="lefttit">来源</span> <div style="width: 86%;vertical-align: text-top;display: inline-block;"> <a href='/journal-foreign-27797/'>《Oxford Bulletin of Economics and Statistics》</a> <b style="margin: 0 2px;">|</b><span>2019年第6期</span><b style="margin: 0 2px;">|</b><span>共38页</span> </div> </li> <li> <div class="author"> <span class="lefttit">作者</span> <p id="fAuthorthree" class="threelineshidden zhankaihshouqi"> <a href="/search.html?doctypes=4_5_6_1-0_4-0_1_2_3_7_9&sertext=Cull Robert&option=202" target="_blank" rel="nofollow">Cull Robert;</a> <a href="/search.html?doctypes=4_5_6_1-0_4-0_1_2_3_7_9&sertext=Gan Li&option=202" target="_blank" rel="nofollow">Gan Li;</a> <a href="/search.html?doctypes=4_5_6_1-0_4-0_1_2_3_7_9&sertext=Gao Nan&option=202" target="_blank" rel="nofollow">Gao Nan;</a> <a href="/search.html?doctypes=4_5_6_1-0_4-0_1_2_3_7_9&sertext=Xu Lixin Colin&option=202" target="_blank" rel="nofollow">Xu Lixin Colin;</a> </p> <span class="z_kbtnclass z_kbtnclassall hoverxs" id="zkzz" style="display: none;">展开▼</span> </div> </li> <li> <div style="display: flex;"> <span class="lefttit">作者单位</span> <div style="position: relative;margin-left: 3px;max-width: 639px;"> <div class="threelineshidden zhankaihshouqi" id="fOrgthree"> <p>World Bank1818 H Street NW Washington DC 20433 USA;</p> <p>Texas A&</p> <p>M University and SWUFE1818 H Street Northwest Washington Washington DC 20433 USA;</p> <p>Wenlan School of BusinessZhongnan University of Economics and Law182 Nanhu Avenue East Lake High‐Tech Development Zone Wuhan 430073 China;</p> <p>World Bank1818 H Street NW Washington DC 20433 USA;</p> </div> <span class="z_kbtnclass z_kbtnclassall hoverxs" id="zhdw" style="display: none;">展开▼</span> </div> </div> </li> <li > <span class="lefttit">收录信息</span> <span style="width: 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break-all;white-space: initial;text-overflow: initial;overflow: initial;"> <span>机译：信用信息监控的方法和系统，融资方法，操作证券交易市场的方法，信用评级方法，操作债券交易市场的方法，形成投资基金的方法，职业介绍方法，销售方法，保证方法和信用保险方法 </span> </p> </li> <li> <div> <b>4. </b><a class="enjiyixqcontent" href="/patent-detail/06130424594343.html">SYSTEM FOR MANAGING THE APPROVAL DETAILS OF A CREDIT CARD, PARTICULARLY FOR GENERATING AND MANAGING A HOUSEHOLD LEDGER BY READING THE USAGE DETAILS OF A CREDIT CARD</a> <b>[P]</b> . <span> 外国专利：  KR20110024861A </span> <span> . 2011-03-09</span> </div> <p class="zwjiyix translation" style="max-width: initial;height: auto;word-break: break-all;white-space: initial;text-overflow: initial;overflow: initial;"> <span>机译：用于管理信用卡的批准明细的系统，特别是用于通过读取信用卡的使用明细来生成和管理家庭账本的系统 </span> </p> </li> <li> <div> <b>5. </b><a class="enjiyixqcontent" href="/patent-detail/06130445226657.html">INDIVIDUAL DESIGN ORDERING MANUFACTURING SYSTEM, ORDER ACCEPTING WEB SERVER AND ORDERING TERMINAL DEVICE FOR EXTERNAL APPEARANCE COMPONENT OF 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