The Worm Bank maintains that, compared to the growth of other industries, agricultural growth plays a more important role in reducing China＇s rural poverty. This stance, however, is contrary to the findings in this p...The Worm Bank maintains that, compared to the growth of other industries, agricultural growth plays a more important role in reducing China＇s rural poverty. This stance, however, is contrary to the findings in this paper. This paper asserts that China＇s experience in reducing rural poverty should be attributed to： （1） its earlier, unbalanced economic development strategies, which gave priority to heavy industries and industrialization and led to the economic boom,＂ and （2） the expansion of non-agricultural sectors, which enabled poor rural households to engage in non-agricultural production. Thus, the key impetus to reducing poverty in rural China is industrialization. Due to its large population but limited farmlands, it may not be a good strategy for China to make agricultural development a priority because its relatively low value added and net profits are inept to promote economic development and reduce rural poverty.展开更多
This article aims at characterization and assessment of the financial behaviors of rural dwellers on non-cash payment markets and identification of factors determining the intensity of using individual methods of paym...This article aims at characterization and assessment of the financial behaviors of rural dwellers on non-cash payment markets and identification of factors determining the intensity of using individual methods of payment by the inhabitants of rural areas. The main source of data used for analysis and inference was information originating from the authors＇ own investigations conducted in 2013 on a group of 500 rural households and on a group of 150 trade and service points operating in non-urbanized areas. This work made use of statistical summary measures and Z2 independence test. According to the results of the conducted studies, forms of payment used by rural dwellers depend on many variables, of demographic, economic, and psychological character. Cash payments are more frequently used by persons possessing vocational or secondary education, elderly people, old-age pensioners, annuitants, or households with lower incomes. Also, persons who do not trust financial institutions or do not perceive benefits resulting from the use of non-cash instruments prefer cash. It is a group of households which require urgent educational activities in the area of non-cash payment instruments. A significant barrier to using non-cash payment instruments by rural dwellers was a limited access to non-cash channels. It is connected in the first place with a poorer development of financial infrastructure in rural areas （banks or cash points）, insufficient Internet access conditioning a possibility to use electronic banking points, and also a worse development of credit card acceptance network. As has been demonstrated by the results of conducted studies, the main reason for a lack of point of sale （POS） terminals in retail and service-providing points operating in rural areas, in the opinion of their owners, is the very high interchange fee （50% indications）, which under Polish conditions is one of the highest in the European Union （EU）.展开更多
文摘The Worm Bank maintains that, compared to the growth of other industries, agricultural growth plays a more important role in reducing China＇s rural poverty. This stance, however, is contrary to the findings in this paper. This paper asserts that China＇s experience in reducing rural poverty should be attributed to： （1） its earlier, unbalanced economic development strategies, which gave priority to heavy industries and industrialization and led to the economic boom,＂ and （2） the expansion of non-agricultural sectors, which enabled poor rural households to engage in non-agricultural production. Thus, the key impetus to reducing poverty in rural China is industrialization. Due to its large population but limited farmlands, it may not be a good strategy for China to make agricultural development a priority because its relatively low value added and net profits are inept to promote economic development and reduce rural poverty.
文摘This article aims at characterization and assessment of the financial behaviors of rural dwellers on non-cash payment markets and identification of factors determining the intensity of using individual methods of payment by the inhabitants of rural areas. The main source of data used for analysis and inference was information originating from the authors＇ own investigations conducted in 2013 on a group of 500 rural households and on a group of 150 trade and service points operating in non-urbanized areas. This work made use of statistical summary measures and Z2 independence test. According to the results of the conducted studies, forms of payment used by rural dwellers depend on many variables, of demographic, economic, and psychological character. Cash payments are more frequently used by persons possessing vocational or secondary education, elderly people, old-age pensioners, annuitants, or households with lower incomes. Also, persons who do not trust financial institutions or do not perceive benefits resulting from the use of non-cash instruments prefer cash. It is a group of households which require urgent educational activities in the area of non-cash payment instruments. A significant barrier to using non-cash payment instruments by rural dwellers was a limited access to non-cash channels. It is connected in the first place with a poorer development of financial infrastructure in rural areas （banks or cash points）, insufficient Internet access conditioning a possibility to use electronic banking points, and also a worse development of credit card acceptance network. As has been demonstrated by the results of conducted studies, the main reason for a lack of point of sale （POS） terminals in retail and service-providing points operating in rural areas, in the opinion of their owners, is the very high interchange fee （50% indications）, which under Polish conditions is one of the highest in the European Union （EU）.
