This study explores whether financial literacy can enhance the ability to predict credit default by farmers using machine-learning models. It introduces a hybrid model combining k-means clustering and Adaboost to predict loan default using data on 10,396 farmers who obtained credit from Chinese...

Purpose: The purpose of this paper is to examine the relationship between bank diversity and small- and medium-sized enterprise (SME) firm innovation in China to evaluate the impact of recent bank deregulation. Design/methodology/approach: Using a large data set that includes 8,143 firm-year...

Purpose: The promotion of financial inclusion can disturb the composition of traditional bank concentration and change the relationship between bank concentration and the availability of small and medium-sized enterprise (SME) financing. This paper concentrates on a less frequently explored...