The Spatial Effect of the Efficiency of Regional Financial Resource Allocation from the Perspective of Internet Finance: Evidence from Chinese Provinces

Liao, Gaoke; De-quan, Yao; Zhihao, Hu

doi:10.1080/1540496x.2018.1564658

Cited by 57 publications

(21 citation statements)

References 39 publications

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“…The existing literature pointes out several important differences between traditional and digital financial inclusion. First, digital financial services greatly reduce transaction costs in rural areas because of their lower marginal cost [10,12,25]. Relying on ICT, such financial services need not establish physical outlets.…”

Section: Literature Review On Digital Financial Inclusionmentioning

confidence: 99%

“…Relying on ICT, such financial services need not establish physical outlets. Although new digital technologies often face higher initial costs to establish digital system, their marginal cost then tends toward zero with the increase of business volume [25,26]. Second, digital finance may overcome information asymmetry by developing ICT [27,28].…”

Section: Literature Review On Digital Financial Inclusionmentioning

confidence: 99%

“…Finally, digital technology may improve access to credit for farmers who lack collateral [29]. Based on big data analysis, cloud computing, and other technologies, digital finance, such as P2P lending, uses new credit score mechanisms to create collateral-free loan products [25]. In summary, digital financial inclusion is considered a great method for alleviating financial constraints faced by farmers, especially those who are vulnerable [26].…”

Section: Literature Review On Digital Financial Inclusionmentioning

confidence: 99%

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Digital Financial Inclusion and Farmers’ Vulnerability to Poverty: Evidence from Rural China

Wang

2020

Sustainability

130

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Access to finance is often cited as a key factor for sustainable poverty alleviation, but expanding access to the poor remains an important challenge for financial institutions. Much hope has, therefore, been placed in the transformative power of digital financial inclusion. However, evidence on the relationship between digital financial inclusion and poverty is limited. This paper is one of the first attempts to study the effects of digital financial inclusion on farmers’ vulnerability to poverty in China, using survey data on 1900 rural households. Vulnerability to poverty, here defined as the likelihood of poverty in the future, is measured by the Asset-Based Vulnerability model. In our survey, the proportion of farmers using digital financial services is 35.63%. Our estimations show that farmers’ use of digital financial services have positive effects on reduction in their vulnerability. We also find that such effects rely mainly on improvement in farmers’ ability to cope with risk, that is, alleviating their vulnerability induced by risk. Further investigation reveals that digital financial services provided by ICT companies have a larger impact on farmers’ vulnerability than that provided by traditional banks. The lessons learned from China’s digital financial inclusion is valuable for other developing countries where financial exclusion looms large.

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Section: Literature Review On Digital Financial Inclusionmentioning

confidence: 99%

Section: Literature Review On Digital Financial Inclusionmentioning

confidence: 99%

Section: Literature Review On Digital Financial Inclusionmentioning

confidence: 99%

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Digital Financial Inclusion and Farmers’ Vulnerability to Poverty: Evidence from Rural China

Wang

2020

Sustainability

130

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“…For instance, Ye et al [26] researched on the spatial spillover effect of financial agglomeration and indicate that financial agglomeration has a positive effect on economic urbanization level but insignificant effect on population urbanization level. Liao et al [27] studied on the spatial effect of Internet finance and suggested that developing Internet finance can promote the efficiency and technological progress of regional financial resource allocation and can enhance efficiency and technological progress in the allocation of financial resources in the neighboring areas. Zhu et al [28] investigated spatial spillover effect of financial inclusion development and suggested that regional financial inclusion development has a structural disadvantage and negative spatial spillover effects from the eastern and western regions to the central regions.…”

Section: Literature Reviewmentioning

confidence: 99%

Impact of Financial Development and Its Spatial Spillover Effect on Green Total Factor Productivity: Evidence from 30 Provinces in China

Zhong

2020

Mathematical Problems in Engineering

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The relationship between financial development and green economic growth has received much attention in recent years. Research on the relationship between financial development and green total factor productivity (GTFP) is of great importance to China and other countries. This study has attempted to reveal the spatial distribution of China’s provincial GTFP and impact of financial development on GTFP by using the method of GML index based on SBM-DDF and the spatial Durbin model (SDM) during the period 1996–2015. Innovation is added to the SDM to reflect the influencing mechanism of financial development on GTFP. The empirical results show the following: (1) The mean of China’s provincial GTFP showed a U-shaped curve in 1996–2015. (2) China’s provincial financial development promotes the growth of GTFP through innovation channel. The reason is that financial development boosts eco-friendly innovation and the introduction of energy saving technology, leading to a decrease in energy consumption and pollutant emissions. (3) Increasing the level of financial development in the surrounding areas will restrain local GTFP. Our results provide new evidence that China’s regional financial development has a spatial spillover effect. (4) China’s provincial GTFP has a significant spatial positive correlation. Finally, several policy implications can be summarized to China’s 30 provinces.

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“…Research by Liao et al (2019) concluded that in the Chinese region there was an efficiency in the financial system due to the implementation of Internet Finance. It is also a question whether there are positive impacts or negative impacts, especially on a small scale, also a background that strengthens this research.…”

Section: Introductionmentioning

confidence: 99%

Contribution of Real Estate Activities and Financial/Insurance Industry Activities to the Formation of Gross Domestic Product

Muda¹,

Dharsuky²,

Asriana³

et al. 2020

RWE

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This research examines and proves the contribution of real estate activities and financial and insurance industry activities to the formation of Indonesia's Gross Domestic Product in 2000-2017. The issue that will be discussed is about the variables that influenced the formation of Indonesia's Gross Domestic Product in 2000-2017. The purpose of this study is to prove the influence of the contribution of real estate activities and financial and insurance industry activities to the formation of Gross Domestic Products in Indonesia. To analyze and prove the hypothesis an empirical test was carried out in the form of Q Square prediction with Smart PLS 3.1 on the magnitude of the influence of the activity sub-sector. The method used in data collection is a combination of secondary data derived from Asia Development Bank data. The method used to analyze data is the time series data method. The results showed that Real Estate Activities is an independent variable that does not have a positive and significant effect on the formation of a total Gross Domestic Product. It can be seen from the statistical t value of 1,800> from the t table value of 1,964 and this can be proven by the original sample value of 0.073 and the significance of 0.073> 0.05 which means that Real Estate Activities has no positive effect and significant to the formation of total Gross Domestic Product. Variable Financial and Insurance Activities are independent variables also do not have a positive and significant effect on the formation of total Gross Domestic Product. This can be seen from the statistical t value of 0.401> from the t table value of 1.964 and this can be proven by the original sample value of 0.689 and no significance of 0.005 = 0.05 which means that Financial and Insurance Activities have no effect positive and significant towards the formation of total Gross Domestic Product.

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The Spatial Effect of the Efficiency of Regional Financial Resource Allocation from the Perspective of Internet Finance: Evidence from Chinese Provinces

Cited by 57 publications

References 39 publications

Digital Financial Inclusion and Farmers’ Vulnerability to Poverty: Evidence from Rural China

Digital Financial Inclusion and Farmers’ Vulnerability to Poverty: Evidence from Rural China

Impact of Financial Development and Its Spatial Spillover Effect on Green Total Factor Productivity: Evidence from 30 Provinces in China

Contribution of Real Estate Activities and Financial/Insurance Industry Activities to the Formation of Gross Domestic Product

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