Item

Accessibility to microcredit by Chinese rural households

Li, Xia
Gan, C
Hu, Baiding
Date
2010
Type
Conference Contribution - published
Fields of Research
Abstract
This paper examines key factors influencing the accessibility of microcredit by rural households in China. The empirical approach is built upon logistic regression and data are collected through a household survey. A total of twelve household-level factors are identified as determinants in households’ access to microcredit and the results indicate that households’ accessibility to microcredit can also be impaired by the supply-side factors. The paper concludes that households should increase credit demand to expand their access to microcredit. In addition, microcredit institutions should improve lending schemes and loan products to better suit the diversified needs of the rural population.
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