The social capital in microfinance issued by commercial banks: evidence from China

Yakun Chen, Kebin Deng and Zhenguo Xu

Applied Economics Letters, 2020, vol. 27, issue 4, 349-352

Abstract: The article explores a confidential group-lending dataset from a Chinese commercial bank based on a policy shock of China’s government; and evidences that social capital determinants, proxied by consanguinity, geographical and business relationship, play significant roles in improving the repayment performance of small group-loan, meanwhile commercial bank can earn favourable benefits. Our results enlighten that commercial financial institutions can alleviate poverty by combining small group-loan with the guarantees of social capital together.

Date: 2020
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DOI: 10.1080/13504851.2019.1616054

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