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adbi-wp923

https://khothuvien .com(ADBInstituteADBỈ Working Paper SeriesIMPACTS OF FINANCIAL LITERACY ON THE LOAN DECISIONS OF FINANCIALLY EXCLUDED HOUSEHOLDS IN

adbi-wp923 N THE PEOPLE’S REPUBLIC OF CHINAAngela c. Lyons, John E. Grable, and Ting ZengNo. 92343497Asian Development Bank InstituteAngela c. Lyons is an Associ

ate Professor at the Department of Agricultural and Consumer Economics, University of Illinois at Urbana-Champaign. United States. John E. Grable is a adbi-wp923

Professor at the Department of Financial Planning. Housing and Consumer Economics. University of Georgia. United States. Ting Zeng IS an Associate Pr

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ofessor at the Research Institute of Economics and Management. Chengdu Southwestern University of Finance and Economics, People’s Republic of China.Th

https://khothuvien .com(ADBInstituteADBỈ Working Paper SeriesIMPACTS OF FINANCIAL LITERACY ON THE LOAN DECISIONS OF FINANCIALLY EXCLUDED HOUSEHOLDS IN

adbi-wp923 or the governments they represent ADBI does not guarantee the accuracy of the data included in this paper and accepts no responsibility tor any conse

quences of their use. Terminology used may not necessarily be consistent with ADB official terms.Working papers are subject to formal revision and cor adbi-wp923

rection before they are finalized and considered published.The Working Paper series IS a continuation of the formerly named Discussion Paper series: t

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he numbering of the papers continued without interruption or change ADBI's working papers reflect initial ideas on a topic and are posted online for d

https://khothuvien .com(ADBInstituteADBỈ Working Paper SeriesIMPACTS OF FINANCIAL LITERACY ON THE LOAN DECISIONS OF FINANCIALLY EXCLUDED HOUSEHOLDS IN

adbi-wp923 inancial Literacy on the Loan Decisions of Financially Excluded Households in the People's Republic of China. ADBI Working Paper 923. Tokyo: Asian Dev

elopment Bank Institute. Available: https://wwwadb.org/publications/impacts-financial-literacy-loan-decisions-financially-excluded-households-prcPleas adbi-wp923

e contact the authors for information about this paper.Email: anglyons@illmois.edu. grable@uga.edu. zengting@swufe.edu.cnThis paper was presented at t

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he 6th Seminar on Asia and the Pacific Economies hosted by Xi'an Jiaotong-Liverpool University and the Asian Development Bank Institute (ADBI) in Suzh

https://khothuvien .com(ADBInstituteADBỈ Working Paper SeriesIMPACTS OF FINANCIAL LITERACY ON THE LOAN DECISIONS OF FINANCIALLY EXCLUDED HOUSEHOLDS IN

adbi-wp923 Biennial Conference of Asian Consumer and Family Economics Association and seminar participants at the Research Institute of Economics and Management

at Southwestern University of Finance and Economics for their feedback. Additional thanks to Jian-He Liu (Zhejiang University of Finance and Economic adbi-wp923

s) and Lei Chen (Beijing University of Posts and Telecommunications) for assistance on early drafts of this work.Asian Development Bank Institute Kasu

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migaseki Building. 8th Floor 3-2-5 Kasumigaseki, Chiyoda-ku Tokyo 100-6008, JapanTel:-9015Fax:-9086URL:WWW adbi.orgE-mail:info@adbi.org© 2019 Asian De

https://khothuvien .com(ADBInstituteADBỈ Working Paper SeriesIMPACTS OF FINANCIAL LITERACY ON THE LOAN DECISIONS OF FINANCIALLY EXCLUDED HOUSEHOLDS IN

adbi-wp923 improve financial inclusion for populations traditionally excluded from the financial markets. Financial literacy is a key tool being used to bring ec

onomically vulnerable populations into the financial mainstream. Data from the 2013 China Household Finance Survey (CHFS) were used to investigate the adbi-wp923

impacts of various dimensions of financial literacy on the usage of bank and non-bank loans among rural, illiterate, and migrant populations in the P

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eople’s Republic of China. The findings show that the most vulnerable groups may be less likely to benefit from financial literacy, especially when it

https://khothuvien .com(ADBInstituteADBỈ Working Paper SeriesIMPACTS OF FINANCIAL LITERACY ON THE LOAN DECISIONS OF FINANCIALLY EXCLUDED HOUSEHOLDS IN

adbi-wp923 y. Results were found to vary across measures of financial literacy and financial inclusion. The findings suggest that barriers to access likely need

to be overcome so that financial literacy can be more effective. The current study provides important insights for policy makers and international org adbi-wp923

anizations designing national strategies to improve financial inclusion via financial literacy, especially for populations that have been traditionall

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y excluded. Researchers are encouraged to reexamine previous definitions and measures of financial literacy and inclusion to develop a better understa

https://khothuvien .com(ADBInstituteADBỈ Working Paper SeriesIMPACTS OF FINANCIAL LITERACY ON THE LOAN DECISIONS OF FINANCIALLY EXCLUDED HOUSEHOLDS IN

adbi-wp923 , People's Republic of ChinaJEL Classification: D12. D14, G21, G23, G41, 017Contents1.INTRODUCTION....................................................

.................12.LITERATURE REVIEW................................................................32.1The Relationship between Financial Literacy. adbi-wp923

Inclusion, andCredit Usage.... 32.2Financial Literacy and Inclusion in the Developing World..................42.3Financial Literacy and Inclusion in t

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he PRC...............................52.4Addressing the Critical Gaps..............................................6

https://khothuvien .com(ADBInstituteADBỈ Working Paper SeriesIMPACTS OF FINANCIAL LITERACY ON THE LOAN DECISIONS OF FINANCIALLY EXCLUDED HOUSEHOLDS IN

https://khothuvien .com(ADBInstituteADBỈ Working Paper SeriesIMPACTS OF FINANCIAL LITERACY ON THE LOAN DECISIONS OF FINANCIALLY EXCLUDED HOUSEHOLDS IN

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