Digital payments enhance both formal and informal credit access for rural households: evidence from China

While digital finance is recognized for enhancing financial inclusion, its micro-level mechanisms—particularly through digital payments—remain underexplored. This study demonstrates how adopting digital payments significantly enhances Chinese farmers’ ability to obtain credit from both sources. Anal...

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Autors principals:	Baozhen Chen, Jialin Xiao
Format:	Artigo
Idioma:	Inglês
Publicat:	Frontiers Media S.A. 2025-10-01
Col·lecció:	Frontiers in Sustainable Food Systems
Matèries:	digital payments rural credit access formal credit informal credit credit exclusion unconfident borrowers
Accés en línia:	https://www.frontiersin.org/articles/10.3389/fsufs.2025.1676462/full
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