Hau, Harald; Huang, Yi; Shan, Hongzhe; Sheng, Zixia - 2021
how the take-up of FinTech credit varies with the entrepreneur’s bank distance. Proximity to the branches of the five … largest stateowned banks correlates positively with the take-up of FinTech credit and suggests more severe credit frictions … access to FinTech credit is largest for younger e-commerce firms and in the month of first-time credit approval …