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Access to Digital Credits and Its Spillover Effects in China

Financial Inclusion China

This pilot study in rural China involved qualitative surveys and interviews with households and village leaders to assess the usefulness of a husbandry loan product. It identified features of the loan that were both attractive (e.g. ease of withdrawal and low interest rate) and unsatisfying (e.g. unfamiliar online application processes and conservative loan size) to borrowers. The study was motivated by a desire to help digital credit providers and commercial banks improve their product designs and policies–and ultimately the household welfare–by better understanding the user experience and perceived benefits to borrowers. (Note: This study was originally intended to rigorously evaluate the impacts of a digital credit product on credit-constrained households in rural China, but re-designed due to indefinite product suspension.)

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DCO Quarterly Newsletter: October 2019


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