{"title":"中国的金融服务：为什么不选择股份制商业银行？","authors":"Shanshan You, Jialong Li","doi":"10.1002/mde.4293","DOIUrl":null,"url":null,"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.","PeriodicalId":2,"journal":{"name":"ACS Applied Bio Materials","volume":null,"pages":null},"PeriodicalIF":4.6000,"publicationDate":"2024-06-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"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\":\"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.\",\"PeriodicalId\":2,\"journal\":{\"name\":\"ACS Applied Bio Materials\",\"volume\":null,\"pages\":null},\"PeriodicalIF\":4.6000,\"publicationDate\":\"2024-06-14\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"ACS Applied Bio Materials\",\"FirstCategoryId\":\"96\",\"ListUrlMain\":\"https://doi.org/10.1002/mde.4293\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q2\",\"JCRName\":\"MATERIALS SCIENCE, BIOMATERIALS\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"ACS Applied Bio Materials","FirstCategoryId":"96","ListUrlMain":"https://doi.org/10.1002/mde.4293","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q2","JCRName":"MATERIALS SCIENCE, BIOMATERIALS","Score":null,"Total":0}
Financial services in China: Why not choose joint‐stock commercial banks?
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.
京公网安备 11010802042870号
京ICP备2023020795号-1
分享
求助内容：
应助结果提醒方式：
扫码关注我们
