Empirical studies on lending volume decisions, the number of lending approvals, and lending rates attitudes: Estimation based on household data from rural Shandong, China

by Tao Li
Doctoral thesis
Date of Examination:2013-02-06
Date of issue:2013-03-15
Advisor:Prof. Dr. Stephan von Cramon-Taubadel
Referee:Prof. Dr. Oliver Mußhoff
Referee:Prof. Dr. Achim Spiller
Referee:Prof. Dr. Xiaohua Yu
Persistent Address: http://dx.doi.org/10.53846/goediss-3776

 

 

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Abstract

English

This study uses household level data collected in Shandong Province of China to study rural formal financial institutions’ lending volume decisions, the number of lending approvals, and respondents’ attitude towards interest rates on formal loan in China’s rural setting. The main body of the dissertation consists of three separate chapters. The first chapter of the main body in the dissertation examines how rural households’ characteristics affect one important dimension of lending decision-making practices of financial institutions.The second chapter of the main body in the dissertation attempts to identify significant household characteristics that formal lender apply when they classify formal loan lending over a period of years.The third chapter of main body in the dissertation identifies the determinants which affect whether potential borrowers feel that interest rates on formal loans are too high by examining their attitudes towards interest rates on formal loans.
Keywords: lending volume decisions; number of lending approvals; attitudes towards interest rates on formal loans
 
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