Protecting personal credit information through constitutional rights is not only essemtial for individuals to defend against infringements on their personal credit information rights and interests by public power in t...Protecting personal credit information through constitutional rights is not only essemtial for individuals to defend against infringements on their personal credit information rights and interests by public power in the social credit system,but also a requirement for unified legislation on social credit to explore the basis for constitutional norms.In the era of the credit economy,personal credit information has become a vital resource for realizing personal autonomy.Along with the increase in the state’s supervision and control of personal credit,the realization of the autonomous value in the interests related to personal credit information has also set more obligations for the state.Therefore,interests related to personal credit information should be regarded as a constitutional right.Because of its significant economic interest and value,the right to personal credit information should be classified as a constitutional property right.As a constitutional property right,the right to personal credit information can not only help protect people’s economic interests,but also achieve the goal of safeguarding their personality interests.展开更多
Credit rationing has been an objective phenomenon in medium-small enterprises credit market of China. By analyzing the present situation of medium-small enterprises credit market of China, this study gives a new credi...Credit rationing has been an objective phenomenon in medium-small enterprises credit market of China. By analyzing the present situation of medium-small enterprises credit market of China, this study gives a new credit rationing model fitting medium-small enterprises credit market of China well. It has been showed in the empirical study that different factor has each different influence on medium-small enterprises credit market; further more, only the change of chastisement factor can make the medium-small enterprises credit market achieve whole success, but other factors can merely get integrant success even though under the most ideal condition.展开更多
The study is focused on agricultural credit sources and determinants of credit acquisition by farmers in ldemili local government area of Anambra State, Nigeria with specific objectives to： describe socio-economic ch...The study is focused on agricultural credit sources and determinants of credit acquisition by farmers in ldemili local government area of Anambra State, Nigeria with specific objectives to： describe socio-economic characteristics of rural farmers; identify sources of agricultural credit available to rural farmers; determine socio-economic factors that influence agricultural credit acquisition of farmers; ascertain reasons for any credit misappropriation and identify problems that constrain farmers from agricultural credit acquisition. Ninety farmers were randomly selected by multi stage random sampling technique. Semi-structured questionnaire was used to elicit data for the study. Descriptive statistics and multiple regression model were used in achieving the objectives. Results indicated that 74.44% of respondents were males with a mean age of 45 years. Majority （76.67%） were married with large house hold sizes. Majority （93.33%） received different level of education, with sources of credit from friends/relatives （30.00%）, cooperative societies （43.33%）, money lenders （14.44%）, and cumulatively from formal sources （（12.22%）. The result of the multiple regression analysis revealed age, household size, membership of cooperative societies, marital status, education level, farm size and amount of loan repaid at varied signs and levels as significant predictors of amount of agricultural credit acquired by farmers. The most common reason given among the respondents （55.89%） of those who misappropriated acquired agricultural credit, was meeting nonfood needs of the household. The farmers encountered problems of high interest rate （78.89%）, lack of collateral （75.56%）, long distance from source of credit （50.00%）, poor harvest （37.78%）, moratorium （33.33%） and delay in loan approval/disbursement （44.44%） as constraints to acquire credit. The study recommends that the state government should pass policies aimed at providing free educative seminars to all illiterate farmers to teach them possible ways and methods of acquiring credit. To ensure mass attendance to such seminars, little incentives should be given to farmer participants.展开更多
Based on the China Household Finance Survey(CHFS)data of 2011-2017,this paper investigated the effects of China’s targeted poverty alleviation policy on rural credit access and amount using the“difference-in-differe...Based on the China Household Finance Survey(CHFS)data of 2011-2017,this paper investigated the effects of China’s targeted poverty alleviation policy on rural credit access and amount using the“difference-in-differences”methodology.This study found that the targeted poverty alleviation policy increased the availability and amount of formal credit to poor households and reduced the proportion and amount of their borrowing through informal channels,and that the effects increased amid the policy’s implementation over time.This paper further found that the policy effects were more significant for China’s western regions,reflecting a positive role of targeted poverty alleviation in coordinating pro-poor finance across regions.Compared with poor counties,poor households from non-poor counties experienced a greater increase in their probability and amount of formal credit access,reflecting China’s approach of reducing regional poverty before targeting more precisely at individual poor households.This paper also uncovered that no significant“elite capture”effect had existed in the allocation of formal agricultural credit under targeted poverty alleviation,but extremely poor households experienced no significant change in their access to formal credit.While the targeted poverty alleviation policy has helped create a sound rural credit market,it should further improve access to formal finance for extremely poor households.展开更多
Compared with formal finance, informal finance owns advantages in information and collateral. These are the reasons why informal finance exists widely in many ways. However, informal finance has its deficiencies too. ...Compared with formal finance, informal finance owns advantages in information and collateral. These are the reasons why informal finance exists widely in many ways. However, informal finance has its deficiencies too. On the basis of the analysis of the advantages and deficiencies of informal finance, the paper also offers some suggestions on policy that government should adopt on informal finance.展开更多
文摘Protecting personal credit information through constitutional rights is not only essemtial for individuals to defend against infringements on their personal credit information rights and interests by public power in the social credit system,but also a requirement for unified legislation on social credit to explore the basis for constitutional norms.In the era of the credit economy,personal credit information has become a vital resource for realizing personal autonomy.Along with the increase in the state’s supervision and control of personal credit,the realization of the autonomous value in the interests related to personal credit information has also set more obligations for the state.Therefore,interests related to personal credit information should be regarded as a constitutional right.Because of its significant economic interest and value,the right to personal credit information should be classified as a constitutional property right.As a constitutional property right,the right to personal credit information can not only help protect people’s economic interests,but also achieve the goal of safeguarding their personality interests.
文摘Credit rationing has been an objective phenomenon in medium-small enterprises credit market of China. By analyzing the present situation of medium-small enterprises credit market of China, this study gives a new credit rationing model fitting medium-small enterprises credit market of China well. It has been showed in the empirical study that different factor has each different influence on medium-small enterprises credit market; further more, only the change of chastisement factor can make the medium-small enterprises credit market achieve whole success, but other factors can merely get integrant success even though under the most ideal condition.
文摘The study is focused on agricultural credit sources and determinants of credit acquisition by farmers in ldemili local government area of Anambra State, Nigeria with specific objectives to： describe socio-economic characteristics of rural farmers; identify sources of agricultural credit available to rural farmers; determine socio-economic factors that influence agricultural credit acquisition of farmers; ascertain reasons for any credit misappropriation and identify problems that constrain farmers from agricultural credit acquisition. Ninety farmers were randomly selected by multi stage random sampling technique. Semi-structured questionnaire was used to elicit data for the study. Descriptive statistics and multiple regression model were used in achieving the objectives. Results indicated that 74.44% of respondents were males with a mean age of 45 years. Majority （76.67%） were married with large house hold sizes. Majority （93.33%） received different level of education, with sources of credit from friends/relatives （30.00%）, cooperative societies （43.33%）, money lenders （14.44%）, and cumulatively from formal sources （（12.22%）. The result of the multiple regression analysis revealed age, household size, membership of cooperative societies, marital status, education level, farm size and amount of loan repaid at varied signs and levels as significant predictors of amount of agricultural credit acquired by farmers. The most common reason given among the respondents （55.89%） of those who misappropriated acquired agricultural credit, was meeting nonfood needs of the household. The farmers encountered problems of high interest rate （78.89%）, lack of collateral （75.56%）, long distance from source of credit （50.00%）, poor harvest （37.78%）, moratorium （33.33%） and delay in loan approval/disbursement （44.44%） as constraints to acquire credit. The study recommends that the state government should pass policies aimed at providing free educative seminars to all illiterate farmers to teach them possible ways and methods of acquiring credit. To ensure mass attendance to such seminars, little incentives should be given to farmer participants.
基金by the General Project of the National Natural Science Foundation of China(NSFC)(Grant No.71373213)the Key Project of the National Social Science Fund of China(NSSFC)(Grant No.16AZ014)+2 种基金the Major Project of Beijing Social Science Fund(Grant No.15ZDA45)the National Youth Talent Support Program of the Organization Department of the CPC Central Committeethe New Century Talents Program of the Ministry of Education,Beijing Youth Talent Team。
文摘Based on the China Household Finance Survey(CHFS)data of 2011-2017,this paper investigated the effects of China’s targeted poverty alleviation policy on rural credit access and amount using the“difference-in-differences”methodology.This study found that the targeted poverty alleviation policy increased the availability and amount of formal credit to poor households and reduced the proportion and amount of their borrowing through informal channels,and that the effects increased amid the policy’s implementation over time.This paper further found that the policy effects were more significant for China’s western regions,reflecting a positive role of targeted poverty alleviation in coordinating pro-poor finance across regions.Compared with poor counties,poor households from non-poor counties experienced a greater increase in their probability and amount of formal credit access,reflecting China’s approach of reducing regional poverty before targeting more precisely at individual poor households.This paper also uncovered that no significant“elite capture”effect had existed in the allocation of formal agricultural credit under targeted poverty alleviation,but extremely poor households experienced no significant change in their access to formal credit.While the targeted poverty alleviation policy has helped create a sound rural credit market,it should further improve access to formal finance for extremely poor households.
文摘Compared with formal finance, informal finance owns advantages in information and collateral. These are the reasons why informal finance exists widely in many ways. However, informal finance has its deficiencies too. On the basis of the analysis of the advantages and deficiencies of informal finance, the paper also offers some suggestions on policy that government should adopt on informal finance.
