File Download

There are no files associated with this item.

  Links for fulltext
     (May Require Subscription)
Supplementary

Article: FinTech Credit and Entrepreneurial Growth

TitleFinTech Credit and Entrepreneurial Growth
Authors
Hau, HaraldHuang, YiLin, ChenShan, HongzheSheng, ZixiaWei, Lai
Issue Date30-Aug-2024
PublisherWiley
Citation
The Journal of Finance, 2024, v. 79, n. 5, p. 3309-3359 How to Cite?
DOI: http://dx.doi.org/10.1111/jofi.13384
Abstract

Based on automated credit lines to vendors trading on Alibaba's online retail platform and a discontinuity in the credit decision algorithm, we document that a vendor's access to FinTech credit boosts its sales growth, transaction growth, and the level of customer satisfaction gauged by product, service, and consignment ratings. These effects are more pronounced for vendors characterized by greater information asymmetry about their credit risk and less collateral, which reveals the information advantage of FinTech credit over traditional credit technology.


Persistent Identifierhttp://hdl.handle.net/10722/346206
ISSN
0022-1082
2023 Impact Factor: 7.6
2023 SCImago Journal Rankings: 19.139

 

DC FieldValueLanguage
dc.contributor.authorHau, Harald-
dc.contributor.authorHuang, Yi-
dc.contributor.authorLin, Chen-
dc.contributor.authorShan, Hongzhe-
dc.contributor.authorSheng, Zixia-
dc.contributor.authorWei, Lai-
dc.date.accessioned2024-09-12T00:30:50Z-
dc.date.available2024-09-12T00:30:50Z-
dc.date.issued2024-08-30-
dc.identifier.citationThe Journal of Finance, 2024, v. 79, n. 5, p. 3309-3359-
dc.identifier.issn0022-1082-
dc.identifier.urihttp://hdl.handle.net/10722/346206-
dc.description.abstract<p>Based on automated credit lines to vendors trading on Alibaba's online retail platform and a discontinuity in the credit decision algorithm, we document that a vendor's access to FinTech credit boosts its sales growth, transaction growth, and the level of customer satisfaction gauged by product, service, and consignment ratings. These effects are more pronounced for vendors characterized by greater information asymmetry about their credit risk and less collateral, which reveals the information advantage of FinTech credit over traditional credit technology.<br></p>-
dc.languageeng-
dc.publisherWiley-
dc.relation.ispartofThe Journal of Finance-
dc.titleFinTech Credit and Entrepreneurial Growth-
dc.typeArticle-
dc.identifier.doi10.1111/jofi.13384-
dc.identifier.scopuseid_2-s2.0-85202675382-
dc.identifier.volume79-
dc.identifier.issue5-
dc.identifier.spage3309-
dc.identifier.epage3359-
dc.identifier.eissn1540-6261-
dc.identifier.issnl0022-1082-

Export via OAI-PMH Interface in XML Formats

OR

Export to Other Non-XML Formats