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Rural Banking in China: Geographically Accessible but Conditionally Excluded?

Godfrey Yeung, National University of Singapore
Godfrey Yeung, National University of Singapore
Thursday, May 29, 2014 - 12:00pm
Thomson Hall 317

Based on the distribution patterns of rural credit cooperatives (RCCs) in about 2,200 counties in 2009, this talk will examine two aspects of financial exclusion in rural China after the restructuring of the banking industry. Despite the state’s efforts to ensure financial inclusion in rural areas, poor farmers could be spatially included but still be denied loans due to their inability to provide collateral and lack of formal credit records.  Moreover, ethnic minorities with low household incomes living in economically less-developed areas, especially those with high non-performing loan ratios, could be financially excluded, both geographically and conditionally.

Godfrey Yeung is Associate Professor of Geography at the Department of Geography, National University of Singapore. He is visiting the UW till the end of June. After earning a Ph.D. at the University of Cambridge, he worked as a research fellow at Sidney Sussex College, Cambridge, and as a lecturer at the University of Sussex (UK) before joining NUS in 2007. Yeung’s research interests include foreign direct investment, international trade, financial geographies, and regional development in China. He is the author of Foreign Investment and Socio-economic Development in China (Palgrave, 2001) and his articles appeared in international journals, such as Economic Geography, Journal of Economic Geography, Regional Studies, Transactions of the Institute of British Geographers, Applied Geography, Cambridge Journal of Economics, Journal of World Business, and Journal of Contemporary China.

This event sponsored by the UW China Studies Program and East Asia Center. For more information, contact