{"title":"Financial services in China: Why not choose joint-stock commercial banks?","authors":"Shanshan You, Jialong Li","doi":"10.1002/mde.4293","DOIUrl":null,"url":null,"abstract":"<p>This paper examines the influence of households' choice of banks on financial service usage in China. Our results show that choosing joint-stock commercial banks could significantly increase household usage of financial services. Moreover, the positive effect of choosing joint-stock commercial banks on household usage of financial services is more pronounced for rural and high-income households. In addition, we find that the financial literacy and risk tolerance of the household head can expand the positive effect of choosing joint-stock commercial banks on household financial service usage.</p>","PeriodicalId":18186,"journal":{"name":"Managerial and Decision Economics","volume":"46 4","pages":"2254-2268"},"PeriodicalIF":2.7000,"publicationDate":"2024-06-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Managerial and Decision Economics","FirstCategoryId":"96","ListUrlMain":"https://onlinelibrary.wiley.com/doi/10.1002/mde.4293","RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q2","JCRName":"ECONOMICS","Score":null,"Total":0}
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Abstract
This paper examines the influence of households' choice of banks on financial service usage in China. Our results show that choosing joint-stock commercial banks could significantly increase household usage of financial services. Moreover, the positive effect of choosing joint-stock commercial banks on household usage of financial services is more pronounced for rural and high-income households. In addition, we find that the financial literacy and risk tolerance of the household head can expand the positive effect of choosing joint-stock commercial banks on household financial service usage.
期刊介绍：
Managerial and Decision Economics will publish articles applying economic reasoning to managerial decision-making and management strategy.Management strategy concerns practical decisions that managers face about how to compete, how to succeed, and how to organize to achieve their goals. Economic thinking and analysis provides a critical foundation for strategic decision-making across a variety of dimensions. For example, economic insights may help in determining which activities to outsource and which to perfom internally. They can help unravel questions regarding what drives performance differences among firms and what allows these differences to persist. They can contribute to an appreciation of how industries, organizations, and capabilities evolve.
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