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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 Associate 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 Pradbi-wp923
ofessor at the Research Institute of Economics and Management. Chengdu Southwestern University of Finance and Economics, People’s Republic of China.Thhttps://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 consequences 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: tadbi-wp923
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 dhttps://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 Development 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 tadbi-wp923
he 6th Seminar on Asia and the Pacific Economies hosted by Xi'an Jiaotong-Liverpool University and the Asian Development Bank Institute (ADBI) in Suzhhttps://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 Kasuadbi-wp923
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 Dehttps://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 economically 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 Padbi-wp923
eople’s Republic of China. The findings show that the most vulnerable groups may be less likely to benefit from financial literacy, especially when ithttps://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 traditionalladbi-wp923
y excluded. Researchers are encouraged to reexamine previous definitions and measures of financial literacy and inclusion to develop a better understahttps://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 tadbi-wp923
he PRC...............................52.4Addressing the Critical Gaps..............................................6https://khothuvien .com(ADBInstituteADBỈ Working Paper SeriesIMPACTS OF FINANCIAL LITERACY ON THE LOAN DECISIONS OF FINANCIALLY EXCLUDED HOUSEHOLDS INhttps://khothuvien .com(ADBInstituteADBỈ Working Paper SeriesIMPACTS OF FINANCIAL LITERACY ON THE LOAN DECISIONS OF FINANCIALLY EXCLUDED HOUSEHOLDS INGọi ngay
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