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PRODID:-//AMSE//Event Calendar//FR
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UID:event-11703@www.amse-aixmarseille.fr
DTSTAMP:20260421T230643Z
CREATED:20260421T230643Z
LAST-MODIFIED:20260421T230643Z
STATUS:CONFIRMED
SEQUENCE:0
SUMMARY:finance seminar - Rongrong Sun
DTSTART:20241210T093000Z
DTEND:20241210T110000Z
DESCRIPTION:This paper builds a three-stage sequential logit model to exami
 ne bank credit demand and constraints faced by non-agricultural self-employ
 ed households in China. Our analysis reveals a stark reality: In 2013 and 2
 015\, over half of self-employed households seeking bank loans faced credit
  constraints\, either discouraged from applying or rejected by banks. While
  we found no evidence of gender or age discrimination in loan approvals\, f
 actors like wealth\, saving status\, education and financial literacy signi
 ficantly impact the likelihood of credit demand\, application\, and grantin
 g. Notably\, less wealthy and less-educated households are significantly mo
 re likely to be credit constrained\, highlighting the need for targeted pol
 icy interventions to promote self-employment. Furthermore\, our findings su
 ggest that informal loans often supplement bank loans in financing self-emp
 loyment businesses\, implying a potential underestimate of credit constrain
 ts in the bank credit market. \\n\\nContact: Eric Girardin: eric.girardin[
 at]univ-amu.frGaël Leboeuf: gael.leboeuf[at]univ-amu.frChristelle Lecourt:
  christelle.lecourt[at]univ-amu.fr\n\nPlus d'informations: https://www.amse
 -aixmarseille.fr/en/events/rongrong-sun-0
LOCATION:MEGA
URL;VALUE=URI:https://www.amse-aixmarseille.fr/en/events/rongrong-sun-0
CONTACT:Eric Girardin: eric.girardin[at]univ-amu.frGaël Leboeuf: gael.lebo
 euf[at]univ-amu.frChristelle Lecourt: christelle.lecourt[at]univ-amu.fr
TRANSP:OPAQUE
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