#2634. How does land titling affect credit demand, supply, access, and rationing: Evidence from China

March 2027publication date
Proposal available till 30-05-2025
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Journal’s subject area:
Animal Science and Zoology;
Economics and Econometrics;
Agronomy and Crop Science;
Ecology;
Global and Planetary Change;
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Abstract:
The article uses the difference-in-differences method to examine how Chinas multi-tiered land rights reform, which began in 20XX (“Reform”), has impacted supply, demand, access and rationing in the Chinese rural loan market. The results show that: (1) the reform increased the hidden credit demand of households, but not their real demand for credit; (2) The reform did not have a significant impact on efficient credit supply or household access to credit; (3) the reform increased the likelihood of non-price credit rationing, in particular risk rationing; and (4) in a sub-sample of households living in counties where local governments explicitly allowed the use of land as collateral, the reform had a positive effect on the supply of credit; but in a sub-sample of households living in counties where land pledges were not explicitly permitted, the reform was associated with increased non-price rationing.
Keywords:
credit access; credit demand; credit rationing; credit supply; rural land titling

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