English (United Kingdom)

https://curated-unify.zendy.io/wp-json/zendy-region/v1/featured_content/oa?rat=en

https://curated-unify.zendy.io/wp-json/zendy-region/v1/highlighted_journal/

Global: Zendy Plus annual

Presents the access of premium content as premium feature

Premium Content

Presents the keyphrase highlighting as premium feature

Keyphrase Highlighting

Presents the summarisation as premium feature

Summarisation

Insights

Presents the pdf analysis as premium feature

PDF Analysis

Presents the zaia usage as premium feature

ZAIA

Global: Zendy Tools annual

Global: Zendy Free Plan

Global: Zendy Tools monthly

Global: Zendy Plus monthly

FinTech has raised the risk-taking level of financial institutions. This paper aims to explore FinTech Credit (FTC) scale of non-financial institutions and the risk-taking level of financial institutions into Opiela’s model, constructs objective functions and constraints for representative financial institutions by conducting theoretical analysis and research hypothesis. It also explores the relationship between FTCscale and the proportion of agriculture-related loans. Based on the balanced panel data of 31 provinces and municipalities in China from 2009 to 2017, the individual fixed effects model is used to test the research hypothesis. Then, based on the balanced panel data of 31 provinces and municipalities in China from 2009 to 2017, the research hypothesis was tested using an individual fixed-effects model to explore the relationship between FTCscale and the proportion of agriculture-related loans. The results show that the FTCscale can increase the share of agriculture-related loans in financial institutions. Still, the percentage of agriculture-related loans and e-commerce factors increase at a marginal decreasing rate. Furthermore, the study shows that marketization and real estate development also indirectly affect the proportion of agricultural loans through the mediating part of the FTCscale. Finally, policy recommendations are proposed to develop FTC and the implementation of rural revitalization strategy.

Does FinTech credit scale stimulate financial institutions to increase the proportion of agricultural loans?