Proceedings of the 2nd International Academic Conference on Blockchain, Information Technology and Smart Finance (ICBIS 2023)

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Can Centralized Intervention Solve Rural Credit Exclusion? Evidence from China

Authors
Bingwu Liao1, *, Murong Shen1, 2
1Beijing Normal University, No. 19, Xinjiekouwai Street, Haidian District, Beijing, 100875, People’s Republic of China
2Beijing Normal University at Zhuhai, No. 18, Jinfeng Road, Tangjiawan, Zhuhai, 519087, People’s Republic of China
*Corresponding author. Email: lbkroax@live.com
Corresponding Author
Bingwu Liao
Available Online 10 August 2023.
DOI
10.2991/978-94-6463-198-2_142How to use a DOI?
Keywords
Credit Exclusion; Centralized Intervention; Financial Capability; Blockchain
Abstract

The purpose of this study is to analyze whether the centralized intervention represented by government intervention can effectively solve the problem of rural credit exclusion, and provide evidence for the development of global rural inclusive credit. In the process of research, this study uses the random effect model (REM) as the analysis method to analyze the data of China’s Household Financial Survey (CHFS) from 2013 to 2019. The results show that centralized intervention can significantly improve the rural credit exclusion under moderate conditions, but with the strengthening of the intervention, this effect continues to decline and become a constraint, showing an inverted “U” type. Therefore, this study suggests that to solve the problem of rural credit exclusion, in addition to moderate centralized intervention, we also need to rely more on the role of decentralized subjects.

Copyright
© 2023 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 2nd International Academic Conference on Blockchain, Information Technology and Smart Finance (ICBIS 2023)
Series
Atlantis Highlights in Computer Sciences
Publication Date
10 August 2023
ISBN
10.2991/978-94-6463-198-2_142
ISSN
2589-4900
DOI
10.2991/978-94-6463-198-2_142How to use a DOI?
Copyright
© 2023 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Bingwu Liao
AU  - Murong Shen
PY  - 2023
DA  - 2023/08/10
TI  - Can Centralized Intervention Solve Rural Credit Exclusion? Evidence from China
BT  - Proceedings of the 2nd International Academic Conference on Blockchain, Information Technology and Smart Finance (ICBIS 2023)
PB  - Atlantis Press
SP  - 1362
EP  - 1369
SN  - 2589-4900
UR  - https://doi.org/10.2991/978-94-6463-198-2_142
DO  - 10.2991/978-94-6463-198-2_142
ID  - Liao2023
ER  -