Formal and informal debt in China: evidence from the 2014 Hukou reform / Lei Xu (Loughborough University, IZA and GLO), Massimiliano Tani (UNSW Canberra, IZA and GLO), Yu Zhu (University of Dundee, IZA and GLO), Xin Wen (UNSW Canberra) ; IZA Institute of Labor Economics