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Financial Literacy, Borrowing Behavior and Rural Households’ Income: Evidence from the Collective Forest Area, China

Identification

Public canonical key
doi:10.3390/su15021153
Authors
Yuanyuan Guo · Can Liu · Hao Liu · Ke Chen · He Dan
Reported year
2023
Reported language
en
Source type
article
First detected
2026-11-09T19:20:00.298777+00:00
Last metadata observation
2026-11-09T19:20:00.298777+00:00
Last HTTP verification
Not checked

Institutions reported by the source

Shenyang Agricultural University

Documentary abstract — original language

Since the introduction of a series of collective forest tenure reforms in China, diverse forestland mortgage financial products have been available even in rural areas. It is difficult for rural households to make appropriate financial decisions in order to increase their income due to a lack of financial knowledge and relevant skills. It is important to analyze the relationship between financial literacy, borrowing behavior, and rural household income. Based on the learning-by-doing theory, the credit constraint theory, and the data obtained from the survey of 460 households in five rural countries of Liaoning Province, alternative econometric models were used to estimate the “Financial Literacy-Borrowing Behavior-Household Income” transmission channel. The findings reveal that the financial literacy levels are positively associated with household income and that there is an inverted U relationship between them which is low on both sides and high in the middle. In addition, the financial literacy has a significantly positive effect on the farmers’ credit behavior, which in turn promotes their income growth. The results provide a new perspective on the study and a clear explanation of the role of financial literacy in improving the loan amountsavailable in China’s rural areas. The paper concludes with recommendations for policymakers to prioritize financial education that will promote and support credit constraint reduction in collective forest areas.

Identifiers

OPENALEX
W4313824645
DOI
10.3390/su15021153

Documentary context

Documentary family
Scholarship
Source-reported types
article
Jurisdictions studied — explicit sources
CN
Natural entities mentioned
Forest

Entity mentions are not evidence of legal recognition. Jurisdiction studied is separate from author affiliation country.

Sources

OpenAlex · Record 1 · Record 2

Documented bibliographic relations

Source-declared references and links; they do not establish legal support or UGLC qualification. Up to 20 outgoing references are displayed.

  • openalex:w1546523058 · CITES
  • openalex:w1551008569 · CITES
  • openalex:w1790743245 · CITES
  • openalex:w1990531067 · CITES
  • openalex:w1993841658 · CITES
  • openalex:w1997070522 · CITES
  • openalex:w2006308384 · CITES
  • openalex:w2051655153 · CITES
  • openalex:w2057254198 · CITES
  • openalex:w2068189185 · CITES
  • openalex:w2084160180 · CITES
  • openalex:w2091666718 · CITES
  • openalex:w2097886527 · CITES
  • openalex:w2112231177 · CITES
  • openalex:w2145814463 · CITES
  • openalex:w2167825607 · CITES
  • openalex:w2234052880 · CITES
  • openalex:w2299233136 · CITES
  • openalex:w2436815094 · CITES
  • openalex:w2465366083 · CITES

0 incoming references within the detected corpus

Documentary field provenance

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Cite this reference

Yuanyuan Guo; Can Liu; Hao Liu; Ke Chen; He Dan. Financial Literacy, Borrowing Behavior and Rural Households’ Income: Evidence from the Collective Forest Area, China. 2023. https://doi.org/10.3390/su15021153

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APA, Chicago, ISO 690: bibliographic formats using available fields. OSCOLA / Bluebook: structured data only; full legal citation compliance is not claimed without verification of required elements.

APA
Yuanyuan Guo; Can Liu; Hao Liu; Ke Chen; He Dan. (2023). Financial Literacy, Borrowing Behavior and Rural Households’ Income: Evidence from the Collective Forest Area, China. https://doi.org/10.3390/su15021153
Chicago
Yuanyuan Guo; Can Liu; Hao Liu; Ke Chen; He Dan. Financial Literacy, Borrowing Behavior and Rural Households’ Income: Evidence from the Collective Forest Area, China. 2023. https://doi.org/10.3390/su15021153
ISO 690
Yuanyuan Guo; Can Liu; Hao Liu; Ke Chen; He Dan. Financial Literacy, Borrowing Behavior and Rural Households’ Income: Evidence from the Collective Forest Area, China. 2023. https://doi.org/10.3390/su15021153

UDTR Global Rights of Nature Legal Library. Financial Literacy, Borrowing Behavior and Rural Households’ Income: Evidence from the Collective Forest Area, China. Documentary record: https://www.declarationuniverselledesdroitsdelarbre.org/global-rights-of-nature-radar/reference/r-57dc33be500bcfc27992d9cdcc77084e/ · Last HTTP verification: not performed

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Field provenance and record version

Version 3d9c8d41707f7eb5 · udtr-reference-1.1.2

Title
OpenAlex · source · 2026-11-09T19:20:00.298777+00:00
Authors
OpenAlex · source · 2026-11-09T19:20:00.298777+00:00
Year
OpenAlex · source · 2026-11-09T19:20:00.298777+00:00
Identifiers
OpenAlex · source · 2026-11-09T19:20:00.298777+00:00
Source URL
OpenAlex · source · 2026-11-09T19:20:00.298777+00:00
Source-reported author ORCID
OpenAlex · source · 2026-11-09T19:20:00.298777+00:00
OpenAlex · source · 2026-11-09T19:20:00.298777+00:00

History tracks record metadata and does not certify the state of the law.

efb4ee22d34e22c9 · 2026-11-09T19:20:00.298777+00:00

0b9c41fadfea4ed6 · 2026-11-09T19:20:00.298777+00:00

bae91a10cc2ff825 · 2026-11-09T19:20:00.298777+00:00

3d9c8d41707f7eb5 · 2026-11-09T19:20:00.298777+00:00

Frozen-version metadata

Research dossiers and documentary relations

CN ·

Shenyang Agricultural University

Can Liu

Hao Liu

He Dan

Ke Chen

Yuanyuan Guo

Source roles

Discovery source · https://doi.org/10.3390/su15021153

Discovery source · https://openalex.org/W4313824645

An authority link alone does not verify a legal claim. Abstracts and full texts remain subject to their source terms.

Documentary status

Relevance pending

Library

This identity is not yet included in the Legal Library.

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