create a website

The effects of online consumer credit on household consumption level and structure: Evidence from China. (2021). Wu, YU ; Song, Quanyun ; Li, Jie ; Huang, Bihong.
In: Journal of Consumer Affairs.
RePEc:bla:jconsa:v:55:y:2021:i:4:p:1614-1632.

Full description at Econpapers || Download paper

Cited: 7

Citations received by this document

Cites: 43

References cited by this document

Cocites: 50

Documents which have cited the same bibliography

Coauthors: 0

Authors who have wrote about the same topic

Citations

Citations received by this document

  1. What determines consumers’ purchasing behavioral intention on social commerce platforms: introducing consumer credit to TPB. (2024). Zhang, Dehua ; Lou, Sha.
    In: Environment, Development and Sustainability: A Multidisciplinary Approach to the Theory and Practice of Sustainable Development.
    RePEc:spr:endesu:v:26:y:2024:i:5:d:10.1007_s10668-023-04210-z.

    Full description at Econpapers || Download paper

  2. Does the digital economy promote the consumption structure upgrading of urban residents? Evidence from Chinese cities. (2024). Zhou, Qiuyang.
    In: Structural Change and Economic Dynamics.
    RePEc:eee:streco:v:69:y:2024:i:c:p:543-551.

    Full description at Econpapers || Download paper

  3. Personal income tax reform and household savings rates: Evidence from a quasi-natural experiment in China. (2024). Zhao, Yang ; Zeng, Wenrui ; Li, Yating ; Chen, Yulong.
    In: International Review of Financial Analysis.
    RePEc:eee:finana:v:96:y:2024:i:pb:s1057521924006586.

    Full description at Econpapers || Download paper

  4. Does household risk attitude affect consumption expenditure? Evidence from Chinese urban households. (2024). Zhai, Chenzhe ; Hu, Debao ; Wang, Xiaoyan ; Huang, Xiaobao.
    In: Economic Modelling.
    RePEc:eee:ecmode:v:141:y:2024:i:c:s0264999324002815.

    Full description at Econpapers || Download paper

  5. A Study on the Factors Influencing Household Consumption from a Money Demand Perspective: Evidence from Chinese Urban Residents. (2023). Zhang, Yanqin ; Liu, Manzhi.
    In: Sustainability.
    RePEc:gam:jsusta:v:16:y:2023:i:1:p:322-:d:1310024.

    Full description at Econpapers || Download paper

  6. Is digital finance environmentally friendly in China? Evidence from shared-bike trips. (2023). Ge, Zhenyu ; Wang, Yuhang ; Zhao, Chunkai.
    In: Transport Policy.
    RePEc:eee:trapol:v:138:y:2023:i:c:p:129-143.

    Full description at Econpapers || Download paper

  7. Crossing the digital divide: The impact of the digital economy on elderly individuals’ consumption upgrade in China. (2022). He, Yuan ; Wang, Yipan ; Li, KE.
    In: Technology in Society.
    RePEc:eee:teinso:v:71:y:2022:i:c:s0160791x22002822.

    Full description at Econpapers || Download paper

References

References cited by this document

  1. Attanasio, O.P. & Weber, G. (1995) Is consumption growth consistent with Intertemporal optimization? Evidence from the consumer expenditure survey. Journal of Political Economy, 103(6), 1121–1157.

  2. Aydin, D. ( 2021) Consumption Response to Credit Expansions: Evidence from Experimental Assignment of 45,307 Credit Lines. Available at: https://doi.org/10.2139/ssrn.3794759.

  3. Aydin, D. (2015) The marginal propensity to consume out of liquidity: Evidence from a randomized controlled trial. 2015 Meeting Papers 270, Society for Economic Dynamics.

  4. Aziz, M.J. & Cui, L. (2007) Explaining Chinas low consumption: the neglected role of household income. IMF Working Paper, No. 07/181. Available at SSRN: https://ssrn.com/abstract=1007930.

  5. Bai, C. & Wu, B. (2014) Health insurance and consumption: evidence from Chinas new cooperative medical scheme. Journal of Comparative Economics, 42, 450–469.

  6. Carroll, C. D., Holm, M. B., & Kimball, M. S. (2021) Liquidity constraints and precautionary saving. Journal of Economic Theory, 195, 1–21.

  7. Chamon, M.D. & Eswar, P. (2010) Why are saving rates of urban households in China rising? American Economic Journal: Macroeconomics, 2(1), 93–130.

  8. Chen, D. & Lin, Z. (2014) Rational or irrational herding in online microloan markets: evidence from China. Social Science Electronic Publishing. Available at http://dx.doi.org/10.2139/ssrn.2425047.
    Paper not yet in RePEc: Add citation now
  9. Chen, X., Huang, B. & Ye, D. (2018) The role of punctuation in P2P lending: Evidence from China. Economic Modelling, 68, 634–643.

  10. Cochrane, J.H. (1991) A simple test of consumption insurance. Journal of Political Economy, 99(5), 957–976.

  11. Cohen, M.J. (2007) Consumer credit, household financial management, and sustainable consumption. International Journal of Consumer Studies, 31(1), 57–65.
    Paper not yet in RePEc: Add citation now
  12. Cortina Lorente, J.J. and S.L.Schmukler. (2018) The Fintech Revolution: A Threat to Global Banking? World Bank: Research & Policy Briefs Paper, 125038.

  13. Curtis, C.C., Lugauer, S. & Mark, N.C. (2015) Demographic patterns and household saving in China. American Economic Journal: Macroeconomics, 7(2), 58–94.

  14. Deaton, A. (1992) Understanding consumption. Oxford: Oxford University Press.

  15. Duarte, J., Stephan, S. & Young, L. (2012) Trust and credit: the role of appearance in peer‐to‐peer lending. The Review of Financial Studies, 25(8), 2455–2484.

  16. Ekici, T. & Dunn, L. (2010) Credit card debt and consumption: evidence from household‐level data. Applied Economics, 42(4), 455–462.

  17. Giles, J. & Yoo, K. (2007) Precautionary behavior, migrant networks, and household consumption decisions: an empirical analysis using house‐hold panel data from rural China. Review of Economics and Statistics, 89(3), 534–551.

  18. Gross, D.B. & Souleles, N.S. (2002) Do liquidity constraints and interest rates matter for consumer behavior? Evidence from credit card data. Quarterly Journal of Economics, 117(1), 149–185.

  19. Han, L., Xiao, J.J. & Zhi, S. (2019) Financing knowledge, risk attitude and P2P borrowing in China. International Journal of Consumer Studies, 43(2), 166–177.
    Paper not yet in RePEc: Add citation now
  20. Hasan, I., He, Q. & Haitian, L. (2020) Social capital, trusting, and trustworthiness: evidence from peer‐to‐peer lending. Journal of Financial and Quantitative Analysis (forthcoming). https://doi.org/10.2139/ssrn.3724087.
    Paper not yet in RePEc: Add citation now
  21. He, Q. & Li, X. (2021) The failure of Chinese peer‐to‐peer lending platforms: finance and politics. Journal of Corporate Finance, 66, 101852.

  22. Herzenstein, M., Dholakia, U.M. & Andrews, R.L. (2011) Strategic herding behavior in peer‐to‐peer loan auctions. Journal of Interactive Marketing, 25(1), 27–36.
    Paper not yet in RePEc: Add citation now
  23. Hou, L., Hsueh, S.‐C. & Zhang, S. (2021) Digital payments and Households consumption: a mental accounting interpretation. Emerging Markets Finance and Trade, 57, 1–15.

  24. Iyer, R., Khwaja, A.I., Luttmer, E.F.P.L. & Shue, K. (2009) Screening in new credit markets: can individual lenders infer borrower creditworthiness in peer‐to‐peer lending? NBER Working Paper Series, 15242, rwp09‐031. http://www.nber.org/papers/w15242.

  25. Jappelli, T. & Pagano, M. (1989) Consumption and capital market imperfections: an international comparison. American Economic Review, 79(5), 1088–1105.

  26. Li, C., Lin, L. & Gan, C. (2016) China credit constraints and rural households consumption expenditure. Finance Research Letters, 19, 158–164.

  27. Lin, M., Prabhala, N.R. & Viswanathan, S. (2013) Judging borrowers by the company they keep: friendship networks and information asymmetry in online peer‐to‐peer lending. Management Science, 59(1), 17–35.

  28. Ludvigson, S. (1999) Consumption and credit: a model of time‐varying liquidity constraints. Review of Economics and Statistics, 81(3), 434–447.
    Paper not yet in RePEc: Add citation now
  29. Modigliani, F. & Cao, S.L. (2004) The Chinese saving puzzle and the life‐cycle hypothesis. Journal of Economic Literature, 42(1), 145–170.
    Paper not yet in RePEc: Add citation now
  30. Mookerjee, R. & Kalipioni, P. (2010) Availability of financial services and income inequality: the evidence from many countries. Emerging Markets Review, 11(4), 404–408.

  31. Paravisini, D., Rappoport, V. & Ravina, E. (2017) Risk aversion and wealth: evidence from person‐to‐person lending portfolios. Management Science, 63(2), 279–297.

  32. Pierrakis, Y., and Liam, C. (2014) Crowdfunding: A New Innovative Model of Providing Funding to Projects and Businesses. Available at: https://doi.org/10.2139/ssrn.2395226.
    Paper not yet in RePEc: Add citation now
  33. Ponce, A., Seira, E. & Zamarripa, G. (2017) Borrowing on the wrong credit card? Evidence from Mexico. American Economic Review, 107(4), 1335–1361.

  34. Pope, D.G. & Sydnor, J.R. (2011) Whats in a picture? Evidence of discrimination from prosper.com. The Journal of Human Resources, 46(1), 53–92.
    Paper not yet in RePEc: Add citation now
  35. Prelec, D. & Loewenstein, G. (1998) The red and the black: mental accounting of savings and debt. Marketing Science, 17(1), 4–28.

  36. Rosenzweig, M.R. & Binswanger, H.P. (1993) Wealth, weather risk and the composition and profitability of agricultural investments. The Economic Journal, 104, 56–78.

  37. Song, Q., Jie Li, Y.W. & Yin, Z. (2020) Accessibility of financial services, digital finance and household consumption in China: evidence from micro data. The North American Journal of Economics and Finance, 53, 1–12.

  38. Stiglitz, J.E. & Andrew, W. (1981) Credit rationing in markets with imperfect information. American Economic Review, 71(3), 393–410.

  39. Wang, J., Ai, S. & Huang, M. (2020) Migration history, Hukou status, and urban household consumption. Economic Modelling, 97, 437–448.
    Paper not yet in RePEc: Add citation now
  40. Wei, S. & Zhang, X. (2011) The competitive saving motive: evidence from rising sex ratios and savings rates in China. Journal of Political Economy, 119(3), 511–564.

  41. Zhao, D., Chen, Y. & Shen, H. (2020) Mortgage payments and household consumption in urban China. Economic Modelling, 93, 100–111.

  42. Zhao, W. (2019) Does health insurance promote Peoples consumption? New evidence from China. China Economic Review, 53, 65–86.

  43. Zinman, J. (2003) The Impact of Liquidity on Household Balance Sheets: Micro responses to a Credit Card Supply Shock. Federal Reserve Bank of New York, Working Paper.
    Paper not yet in RePEc: Add citation now

Cocites

Documents in RePEc which have cited the same bibliography

  1. Free to Leave? A Welfare Analysis of Divorce Regimes. (2014). Fernandez, Raquel ; Wong, Joyce Cheng .
    In: CEPR Discussion Papers.
    RePEc:cpr:ceprdp:10047.

    Full description at Econpapers || Download paper

  2. Testing Full Consumption Insurance in the Frequency Domain. (2008). Santos Monteiro, Paulo.
    In: The Warwick Economics Research Paper Series (TWERPS).
    RePEc:wrk:warwec:874.

    Full description at Econpapers || Download paper

  3. Asset Pricing Implications of Pareto Optimality with Private Information. (2007). Kocherlakota, Narayana.
    In: Levine's Bibliography.
    RePEc:cla:levrem:321307000000000701.

    Full description at Econpapers || Download paper

  4. A Tax-Based Estimate of the Elasticity of Intertemporal Substitution. (2006). Gruber, Jonathan.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:11945.

    Full description at Econpapers || Download paper

  5. Time to Eat: Household Production under Increasing Income Inequality. (2006). Hamermesh, Daniel.
    In: IZA Discussion Papers.
    RePEc:iza:izadps:dp1965.

    Full description at Econpapers || Download paper

  6. Information, habits, and consumption behavior: evidence from micro data. (2006). Kuismanen, Mika ; Pistaferri, Luigi.
    In: Working Paper Series.
    RePEc:ecb:ecbwps:2006572.

    Full description at Econpapers || Download paper

  7. The (After) Life-Cycle Theory of Religious Contributions. (2006). Hess, Gregory ; DeLeire, Thomas ; Blomberg, Stephen.
    In: CESifo Working Paper Series.
    RePEc:ces:ceswps:_1854.

    Full description at Econpapers || Download paper

  8. How Do House Prices Affect Consumption? Evidence From Micro Data. (2005). Campbell, John ; Cocco, Joo F..
    In: NBER Working Papers.
    RePEc:nbr:nberwo:11534.

    Full description at Econpapers || Download paper

  9. Estimating the stochastic discount factor without a utility function. (2005). Issler, João ; Fernandes, Marcelo ; Araujo, Fabio.
    In: FGV EPGE Economics Working Papers (Ensaios Economicos da EPGE).
    RePEc:fgv:epgewp:583.

    Full description at Econpapers || Download paper

  10. Elasticities of Demand for Consumer Credit. (2005). Zinman, Jonathan ; Karlan, Dean.
    In: Working Papers.
    RePEc:egc:wpaper:926.

    Full description at Econpapers || Download paper

  11. Inattentive Consumers. (2005). Reis, Ricardo.
    In: CEPR Discussion Papers.
    RePEc:cpr:ceprdp:5053.

    Full description at Econpapers || Download paper

  12. Asset Pricing Implications of Pareto Optimality with Private Information. (2005). Pistaferri, Luigi ; Kocherlakota, Narayana.
    In: CEPR Discussion Papers.
    RePEc:cpr:ceprdp:4930.

    Full description at Econpapers || Download paper

  13. Estimating Discount Functions with Consumption Choices over the Lifecycle. (2005). Tobacman, Jeremy ; Repetto, Andrea ; Laibson, David.
    In: Levine's Bibliography.
    RePEc:cla:levrem:784828000000000643.

    Full description at Econpapers || Download paper

  14. Intertemporal Substitution and Hyperbolic Discounting. (2005). Geraats, Petra.
    In: Cambridge Working Papers in Economics.
    RePEc:cam:camdae:0515.

    Full description at Econpapers || Download paper

  15. Inattentive Consumers. (2004). Reis, Ricardo.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:10883.

    Full description at Econpapers || Download paper

  16. Theoretical Foundations of Buffer Stock Saving. (2004). Carroll, Christopher.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:10867.

    Full description at Econpapers || Download paper

  17. How Much Does Household Collateral Constrain Regional Risk Sharing?. (2004). Van Nieuwerburgh, Stijn ; Lustig, Hanno.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:10505.

    Full description at Econpapers || Download paper

  18. Theoretical Foundations of Buffer Stock Saving. (2004). Carroll, Christopher.
    In: Economics Working Paper Archive.
    RePEc:jhu:papers:517.

    Full description at Econpapers || Download paper

  19. Income risk and consumption inequality: a simulation study. (2004). Preston, Ian ; Low, Hamish ; Blundell, Richard.
    In: IFS Working Papers.
    RePEc:ifs:ifsewp:04/26.

    Full description at Econpapers || Download paper

  20. High-Order Consumption Moments and Asset Pricing. (2004). Semenov, Andrei.
    In: Econometric Society 2004 North American Winter Meetings.
    RePEc:ecm:nawm04:130.

    Full description at Econpapers || Download paper

  21. Black-White Differences in the Insurance Value of Human Capital. (2004). Whalley, Alexander.
    In: Econometric Society 2004 North American Summer Meetings.
    RePEc:ecm:nasm04:575.

    Full description at Econpapers || Download paper

  22. Using Common Features to Construct a Preference-Free Estimator of the Stochastic Discount Factor. (2004). Fernandes, Marcelo ; Araujo, Fabio.
    In: Econometric Society 2004 Latin American Meetings.
    RePEc:ecm:latm04:134.

    Full description at Econpapers || Download paper

  23. How much Does Household Collateral Constrain Regional Risk Sharing? (joint with Stijn Van Nieuwerburgh) (updated February 2006). (2004). Van Nieuwerburgh, Stijn ; Lustig, Hanno.
    In: UCLA Economics Online Papers.
    RePEc:cla:uclaol:302.

    Full description at Econpapers || Download paper

  24. Asset Pricing Implications of Pareto Optimality with Private Information. (2004). Kocherlakota, Narayana.
    In: Levine's Bibliography.
    RePEc:cla:levrem:122247000000000508.

    Full description at Econpapers || Download paper

  25. Errors in survey reports of consumption expenditures. (2003). Battistin, Erich.
    In: IFS Working Papers.
    RePEc:ifs:ifsewp:03/07.

    Full description at Econpapers || Download paper

  26. Housing Collateral, Consumption Insurance and Risk Premia. (2002). Van Nieuwerburgh, Stijn ; Lustig, Hanno.
    In: Macroeconomics.
    RePEc:wpa:wuwpma:0211008.

    Full description at Econpapers || Download paper

  27. Asset Pricing with Heterogeneous Consumers and Limited Participation: Empirical Evidence. (2002). Geczy, Christopher ; Constantinides, George ; Brav, Alon.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:8822.

    Full description at Econpapers || Download paper

  28. Partial insurance, information and consumption dynamics. (2002). Preston, Ian ; Pistaferri, Luigi ; Blundell, Richard.
    In: IFS Working Papers.
    RePEc:ifs:ifsewp:02/16.

    Full description at Econpapers || Download paper

  29. Consumption and habits : evidence from panel data. (2002). Lopez-Salido, David ; Labeaga, Jose ; carrasco, raquel.
    In: UC3M Working papers. Economics.
    RePEc:cte:werepe:we023415.

    Full description at Econpapers || Download paper

  30. Partial Insurance, Information, and Consumption Dynamics. (2002). Preston, Ian ; Pistaferri, Luigi ; Blundell, Richard.
    In: CEPR Discussion Papers.
    RePEc:cpr:ceprdp:3666.

    Full description at Econpapers || Download paper

  31. Income Variance Dynamics and Heterogeneity. (2002). Pistaferri, Luigi ; Meghir, Costas.
    In: CEPR Discussion Papers.
    RePEc:cpr:ceprdp:3632.

    Full description at Econpapers || Download paper

  32. Consumption and Habits: Evidence from Panel Data. (2002). Lopez-Salido, David ; Labeaga, Jose ; carrasco, raquel.
    In: CEPR Discussion Papers.
    RePEc:cpr:ceprdp:3520.

    Full description at Econpapers || Download paper

  33. Unobserved Heterogeneity and Intertemporal Nonseparability: Evidence from Consumption Panel Data. (2002). Lopez-Salido, David ; Labeaga, Jose ; carrasco, raquel.
    In: 10th International Conference on Panel Data, Berlin, July 5-6, 2002.
    RePEc:cpd:pd2002:c4-4.

    Full description at Econpapers || Download paper

  34. Tax Reform and Automatic Stabilization. (2002). ZILIAK, JAMES ; Kniesner, Thomas.
    In: American Economic Review.
    RePEc:aea:aecrev:v:92:y:2002:i:3:p:590-612.

    Full description at Econpapers || Download paper

  35. Food Insecurity and Public Assistance. (2001). Borjas, George.
    In: JCPR Working Papers.
    RePEc:wop:jopovw:243.

    Full description at Econpapers || Download paper

  36. Income variance dynamics and heterogenity. (2001). Pistaferri, Luigi ; Meghir, Costas.
    In: IFS Working Papers.
    RePEc:ifs:ifsewp:01/07.

    Full description at Econpapers || Download paper

  37. The Life-Cycle Model of Consumption and Saving. (2001). Crossley, Thomas ; Browning, Martin.
    In: Journal of Economic Perspectives.
    RePEc:aea:jecper:v:15:y:2001:i:3:p:3-22.

    Full description at Econpapers || Download paper

  38. Tax Reform and Automatic Stabilization. (2000). ZILIAK, JAMES ; Kniesner, Thomas.
    In: JCPR Working Papers.
    RePEc:wop:jopovw:165.

    Full description at Econpapers || Download paper

  39. Risk Sharing in Village India: the Rule of Decreasing Relative Risk Aversion. (2000). Zhang, Qiang ; Ogaki, Masao.
    In: Working Papers.
    RePEc:osu:osuewp:00-02.

    Full description at Econpapers || Download paper

  40. A Dynamic Model of Labor Supply, Consumption/Saving, and Annuity Decisions under Uncertainty. (2000). Benitez-Silva, Hugo.
    In: Department of Economics Working Papers.
    RePEc:nys:sunysb:00-06.

    Full description at Econpapers || Download paper

  41. Tax Reform and Automatic Stabilization. (2000). ZILIAK, JAMES ; Kniesner, Thomas.
    In: Econometric Society World Congress 2000 Contributed Papers.
    RePEc:ecm:wc2000:0788.

    Full description at Econpapers || Download paper

  42. A Joint Model of Labor Supply and Consumption Decisions Under Uncertainty. (2000). Benitez-Silva, Hugo.
    In: Econometric Society World Congress 2000 Contributed Papers.
    RePEc:ecm:wc2000:0196.

    Full description at Econpapers || Download paper

  43. Unemployment and Consumption: Are Job Losses Less Painful near the Mediterranean?. (2000). Ichino, Andrea ; Bentolila, Samuel.
    In: CEPR Discussion Papers.
    RePEc:cpr:ceprdp:2539.

    Full description at Econpapers || Download paper

  44. Unemployment and Consumption: Are Job Losses Less Painful near the Mediterranean?. (2000). Ichino, Andrea ; Bentolila, Samuel.
    In: CESifo Working Paper Series.
    RePEc:ces:ceswps:_372.

    Full description at Econpapers || Download paper

  45. The Reaction of Household Consumption to Predictable Changes in Social Security Taxes. (1999). Parker, Jonathan.
    In: American Economic Review.
    RePEc:aea:aecrev:v:89:y:1999:i:4:p:959-973.

    Full description at Econpapers || Download paper

  46. The Response of Household Consumption to Income Tax Refunds. (1999). Souleles, Nicholas.
    In: American Economic Review.
    RePEc:aea:aecrev:v:89:y:1999:i:4:p:947-958.

    Full description at Econpapers || Download paper

  47. Using Subjective Income Expectations to Test for Excess Sensitivity of Consumption to Predicted Income Growth. (1998). Pistaferri, Luigi ; Jappelli, Tullio.
    In: CSEF Working Papers.
    RePEc:sef:csefwp:12.

    Full description at Econpapers || Download paper

  48. Intertemporal Choice and the Cross Sectional Variance of Marginal Utility. (1998). Jappelli, Tullio ; Attanasio, Orazio.
    In: CSEF Working Papers.
    RePEc:sef:csefwp:06.1998.

    Full description at Econpapers || Download paper

  49. Intertemporal Choice and the Cross-Sectional Variance of Marginal Utility. (1998). Jappelli, Tullio ; Attanasio, Orazio.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:6560.

    Full description at Econpapers || Download paper

  50. Death to the Log-Linearized Consumption euler Equation! (And Very Poor Health to the Second-Order Approximation). (1997). Carroll, Christopher.
    In: Economics Working Paper Archive.
    RePEc:jhu:papers:390.

    Full description at Econpapers || Download paper

Coauthors

Authors registered in RePEc who have wrote about the same topic

Report date: 2025-09-17 20:38:33 || Missing content? Let us know

CitEc is a RePEc service, providing citation data for Economics since 2001. Last updated August, 3 2024. Contact: Jose Manuel Barrueco.