Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
P-Index
This Author published in this journals
All Journal Nama jurnal : International Journal of Education and Humanities Journal Of Economic Sciences (Ekuisci)
Chang Liu
Dalian University of Technology
Humanities Economics, Econometrics & Finance Education Social Sciences Other

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Exploring Entrepreneurial Behavior in Rural Areas: Evidence from Private Higher Education Institutions in Henan Province, China Liu, Chang; Jiang, Songyu; Phakdeephirot, Nutteera
Jurnal Ekuisci Vol 2 No 4 (2025): Vol 2 No 4 March 2025
Publisher : Ann Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62885/ekuisci.v2i4.635

Abstract

Background. Rural entrepreneurship has emerged as a strategic solution to alleviate employment pressure among university graduates in China. Aim. This study investigates the factors influencing rural entrepreneurial intention and behavior among private university graduates by extending the theory of planned behavior (TPB) to incorporate entrepreneurial passion and entrepreneurial value. Methods. A quantitative approach was employed, utilizing an online survey of 424 students from private higher education institutions in Henan Province. Structural equation modeling (SEM) was conducted to examine the relationships among subjective norms, perceived behavioral control, entrepreneurial attitude, entrepreneurial passion, entrepreneurial value, entrepreneurial intention, and entrepreneurial behavior. Result. The results confirm that entrepreneurial intention strongly predicts entrepreneurial behavior, with entrepreneurial passion and value exerting direct and indirect influences on both constructs. Conclusion. Additionally, subjective norms, perceived behavioral control, and entrepreneurial attitude significantly impact entrepreneurial intention. Implementation. These findings contribute to entrepreneurial research by expanding TPB to include psychological and value-driven factors while also offering practical insights for policymakers, educators, and rural development agencies.
The Dark Side of Digital Financial Inclusion: Evidence on Risk-Taking Behavior in Chinese Commercial Banks Chen, Weimin; Liu, Chang; Zhang, Lin
International Journal of Education and Humanities Vol. 6 No. 2 (2026): International Journal of Education and Humanities (IJEH)
Publisher : Ilmu Inovasi Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The rapid development of digital inclusive finance has brought profound transformations to the financial industry, particularly affecting commercial banks, which are its core institutions. The increasing accessibility and efficiency of digital financial services have significantly pressured traditional banking activities, particularly in deposit mobilization and lending. This disruption has led to a decline in net interest margins, thereby weakening bank profitability. In response, commercial banks may be incentivized to pursue higher-risk investment strategies to preserve their franchise value, thereby increasing their overall risk-taking. Accordingly, this study aims to examine the impact of digital inclusive finance on the risk-taking levels of Chinese commercial banks. This research adopts a quantitative approach, using panel data from Chinese commercial banks over a specified period. The analysis employs regression models to examine the relationship between the development of digital inclusive finance and bank risk-taking, while controlling for relevant variables, including bank size, liquidity, and operational efficiency. The findings indicate that digital inclusive finance has a significant positive effect on commercial banks' risk-taking behavior. The compression of profit margins compels banks to seek alternative sources of income through higher-risk investment instruments. Furthermore, the effect is more pronounced among banks with lower levels of digital adaptation. The implications of this study highlight the necessity for well-structured digital transformation strategies and strengthened financial regulation. Commercial banks are encouraged to pursue sustainable innovation while adhering to prudential principles, and regulators are urged to design adaptive policies to ensure financial stability and an effective risk prevention and control system
Co-Authors Chen, Weimin Jiang, Songyu Phakdeephirot, Nutteera Zhang, Lin