Jin, Chenglu; Mao, Weida; Jin, Keru; Yang, Qianqian; … - In: Journal of management science and engineering 10 (2025) 1, pp. 97-110
constraints. This study investigates the determinants of Chinese household debt structure, focusing on the choice between formal … constraints at the household level. This new household credit constraint index demonstrates that the factors affecting the debt … structure vary with the level of credit constraints, underscoring the complexity of household financial behaviors in China …