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Household Credit in China: Recent Experience and Lessons from Other Countries

This paper summarizes the results of a research conference convened at Beijing University, China, in August 2004, with the financial support of the Filene Research Institute and CUNA Mutual Group.

Key questions posed by the conference included:

  • How does the consumer lending sector work in the U.S.?
  • What are the key institutional strengths or weaknesses of the U.S. system?
  • What is the Chinese experience with consumer credit to date?
  • What guidance might Chinese policy makers, academics and consumer lending practitioners gain from the U.S. experience in this sector?