Digital credit and bank credit: substitutes or complements?

被引：0
|
作者：
Zhang, Longyao [1 ]
Xu, Jiankui [1 ]
Zhang, Fan [1 ,2 ]
机构：
[1] Nanjing Agr Univ, Coll Finance, Nanjing, Peoples R China
[2] Nanjing Agr Univ, Coll Finance, Nanjing 210095, Peoples R China
来源：
APPLIED ECONOMICS LETTERS | 2024年
基金：
中国国家自然科学基金;
关键词：
Digital credit; bank credit; complementary relationship; quaternary probit; FINTECH;
D O I：
10.1080/13504851.2024.2333453
中图分类号：
F [经济];
学科分类号：
02 ;
摘要：
Based on survey data collected in 12 provinces in China in 2022, we utilize the Quaternary Probit Model with Sample Selection to investigate the correlation between digital credit and bank credit. Our results demonstrate a mutually reinforcing and complementary association between digital credit and bank credit. This complementarity is evident in the distinct advantages of each credit model. We contend that the connection between digital credit and bank credit, as well as their future development, should be considered in terms of complementarity.
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页数：5
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