| 来源类型 | Discussion paper |
| 规范类型 | 论文 |
| 来源ID | DP17297 |
| DP17297 Big techs, QR code payments and financial inclusion | |
| Thorsten Beck; Leonardo Gambacorta; Yiping Huang; Zhenhua Li; Han Qiu | |
| 发表日期 | 2022-05-11 |
| 出版年 | 2022 |
| 语种 | 英语 |
| 摘要 | Using a unique dataset of around half a million Chinese firms that use a QR code-based mobile payment system, we find that (i) the creation of a digital payment footprint allows firms to access credit provided by the same big tech company; (ii) transaction data generated via QR code generate spillover effects on access to bank credit; and (iii) there are positive effects of access to big tech credit on sales, including during the Covid-19 shock. The findings suggest that access to innovative payment methods helps micro firms build up credit history, and that using big tech credit can ease access to bank credit. |
| 主题 | Financial Economics |
| 关键词 | Big tech Big data Qr code Banks Asymmetric information Financial inclusion Credit markets |
| URL | https://cepr.org/publications/dp17297 |
| 来源智库 | Centre for Economic Policy Research (United Kingdom) |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/546322 |
| 推荐引用方式 GB/T 7714 | Thorsten Beck,Leonardo Gambacorta,Yiping Huang,et al. DP17297 Big techs, QR code payments and financial inclusion. 2022. |
| 条目包含的文件 | 条目无相关文件。 | |||||
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