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Development on Loan : Microcredit and Marginalisation in Rural China - Nicholas Loubere

Development on Loan

Microcredit and Marginalisation in Rural China

By: Nicholas Loubere

eText | 1 October 2025 | Edition Number 1

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Key to China's plans to promote rural development is the de-marginalisation of the countryside through the incorporation of rural areas into the urban-based market-oriented financial system. For this reason, Chinese development planners have turned to microcredit -- i.e. the provision of small-scale loans to 'financially excluded' rural households -- as a means of increasing 'financial consciousness' and facilitating rural de-marginalisation. Drawing on in-depth fieldwork in rural China, this book examines the formulation, implementation and outcomes of government-run microcredit programmes in China-illuminating the diverse roles that microcredit plays in local processes of socioeconomic development and the livelihoods of local actors. It details how microcredit facilitates de-marginalisation for some, while simultaneously exacerbating the marginalisation of others; and exposes the ways in which microcredit and other top-down development strategies reflect and reinforce the contradictions and paradoxes implicit in rural China's contemporary development landscape.

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Non-FictionEconomicsMicroeconomicsEconomic Theory & PhilosophyPolitical EconomySociety & CultureSocial GroupsRural Communities

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