A Comparative Analysis of the Use of Microfinance and Formal and Informal Credit by Farmers in Less Developed Areas of Rural China

Xiangping Jia, Hao Luan, Jikun Huang, Zuowen Li · 2015 · Development Policy Review

Summary. Farmers in poor rural China use different credit sources for different purposes: microfinance funds livestock and non-agricultural investments, formal credit supports crop production, and informal credit covers consumption needs. The study shows credit demand has grown significantly and recommends developing a complementary financial system that integrates microfinance, formal, and informal channels to meet farmers' production and consumption credit needs.

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Jia, X., Luan, H., Huang, J., & Li, Z.. (2015). A Comparative Analysis of the Use of Microfinance and Formal and Informal Credit by Farmers in Less Developed Areas of Rural China. Development Policy Review. https://doi.org/10.1111/dpr.12100

@article{jia-2015-comparative-analysis-use-microfinance-formal,
  title   = {A Comparative Analysis of the Use of Microfinance and Formal and Informal Credit by Farmers in Less Developed Areas of Rural China},
  author  = {Xiangping Jia and Hao Luan and Jikun Huang and Zuowen Li},
  journal = {Development Policy Review},
  year    = {2015},
  doi     = {10.1111/dpr.12100},
  url     = {https://doi.org/10.1111/dpr.12100}
}

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TI  - A Comparative Analysis of the Use of Microfinance and Formal and Informal Credit by Farmers in Less Developed Areas of Rural China
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AU  - Hao Luan
AU  - Jikun Huang
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Details

DOI: 10.1111/dpr.12100
Countries: China
Regions: Asia
Categories: funding, food-systems
Added: 2026-04-28