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Spatial-temporal Evolution and Influencing Factors of digital financial inclusion: County-level Evidence from China

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Chinese Geographical Science 2023年第2期33卷 221-232页

作者： ZHANG Guojun CHEN Yu WANG Gengnan ZHOU Chunshan School of Finance Guangdong University of Finance and EconomicsGuangzhou 510320China School of Geography and Planning Sun Yat-sen UniversityGuangzhou 510275China

The vigorous development of information and communications technology has accelerated reshaping of the financial industry. The COVID-19 pandemic has further catalyzed the demand for digital financial services. digital financial inclusion relies on information technology to overcome spatial limitations. In this case, the research question is whether it adheres to the spatial laws governing conventional financial activities. This study uses exploratory spatial data analysis and a geographical detector to elucidate the spatiotemporal characteristics and factors influencing digital financial inclusion at the county level in China(Data don’t include that of Hong Kong, Macao and Taiwan of China) from 2014 to 2020. The research findings indicate: first, China’s county-level digital financial inclusion is generally increasing and exhibits significant spatial autocorrelation. Second, population density, level of traditional financial development, government regulation, and education level are key determinants of China’s county-level digital financial inclusion. Third,policies should be differentiated by region to narrow the spatial gap in digital financial inclusion. The results provide a reference for other developing countries on using digital technology to develop financial inclusion.

关键词： digital financial inclusion spatiotemporal characteristics influencing factors geographical detector China

The impact and heterogeneity analysis of digital financial inclusion on non-farm employment of rural labor

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Chinese Journal of Population,Resources and Environment 2023年第2期21卷 101-108页

作者： Jin Ren Tingting Gao Xin Shi Xinrui Chen Keyi Mu School of Economics and Management Chongqing Normal UniversityChongqing 430072China

This study examines the effects of digital financial inclusion on non-farm employment of rural labor and the mediating mechanism of innovation and entrepreneurship activity using China Family Panel Studies(CFPS)and the provincial index of digital financial *** the empirical test of the Probit model and mediation effect model,we found that:firstly,digital financial inclusion can promote non-farm employment of rural labor,with the level of digitalization having the most significant impact;secondly,by encouraging innovation and entrepreneurial activity,digital financial inclusion can promote non-farm employment of rural labor;thirdly,the driving effect of digital financial inclusion on non-farm employment of rural labor is more pronounced among the unmarried,eastern region,and male ***,we should improve the construction of rural digital infrastructure and accelerate the development of inclusive rural finance to promote more diversified non-farm employment options for“disadvantaged groups”;encourage and support innovation at the government level,and create a favorable atmosphere for innovation and ***,farmers’digital literacy and financial knowledge should be improved so that more can adopt and take advantage of digital financial inclusion.

关键词： Non-farm employment digital financial inclusion Innovation and entrepreneurship activity Probit Model

The Impact of digital financial inclusion on Agricultural Mechanization:Evidence from 1,869 Counties in China

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China Economic Transition 2023年第4期6卷 416-441页

作者： SUN Xuetao YU Ting YU Fawen Shandong Academy of Social Sciences Jinan 250002China School of Economics Ocean University of ChinaQingdao 266100China Management College Ocean University of ChinaQingdao 266100China Rural Development Institute Chinese Academy of Social SciencesBeijing100732China

In light of China's generally backward agricultural mechanization levels,it becomes crucial to shore up this weak link with endogenous driving *** digital financial inclusion offers a approach to addressing the challenges related to agricultural *** study,collecting data from 1,869 counties and using the Spatial Autoregressive Model with Spatial Autoregressive Disturbances(SARAR model),analyzes the equilibrium and disequilibrium effects of digital financial inclusion on agricultural mechanization,as well as the mechanisms through which digital financial inclusion *** findings indicate that both digital financial inclusion and agricultural mechanization *** development of digital financial inclusion emerges as a significant driver for promoting agricultural ***,the impact of digital financial inclusion on agricultural mechanization varies based on the level of agricultural economic development,with counties characterized by less developed agriculture,plain topography,and strong agricultural sectors benefiting more from digital financial ***,digital financial inclusionini directlyboosts agricultural mechanizationby increasing farmers income and encouraging investment in fixed ***,it is crucial to harness the benefits brought by the development of digital financial inclusion while promoting agricultural mechanization,and regions should tailor their approaches to promote digital financial inclusion development according to their local conditions.

关键词： digital financial inclusion agricultural mechanization county SARAR model

Fintech,digital financial inclusion,and National financial Competitiveness

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China Economic Transition 2022年第2期5卷 189-209页

作者： HU Bin CHENG Xuejun Institute of Finance&Banking Chinese Academy of Social SciencesBeijing 100710China Koguan School of Law Shanghai Jiao Tong UniversityShanghai 200030China

With the rapid development of fintech as represented by the internet,artificial intelligence,blockchain,cloud computing and big data,especially the evolution of big data and deep learning,and the major changes in financial service models and products in recent years,the development of global inclusive finance has undergone different stages,from“micro finance,”through“inclusive finance,”to“digital financial inclusion.”In the context of growing global competition in the financial sector,many countries are promoting digital financial inclusion and formulating applicable national development ***,it is suggested that China should further strengthen support policies,increase its influence on global financial governance,construct a long-term regulatory mechanism for digital financial inclusion,and build digital inclusive financial infrastructure in order to improve the international competitiveness of China’s financial industry.

关键词： Fintech digital financial inclusion China’s finance competitiveness

financial inclusion in China:an overview

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Frontiers of Business Research in China 2021年第1期15卷 1-21页

作者： Weidong Chen Xiaohui Yuan Research Institute Bank of ChinaNo.1 Fuxingmennei DajieXicheng DistrictBeijing 100818China

financial inclusion has become an important development strategy in many countries,and related research is *** inclusion in China has had significant progress *** has gradually formed a unique and sustainable development path with supporting policies and regulations as well as rapid development and application of digital *** challenges remain,the experience of Chinese financial inclusion provides valuable lessons and research directions for policymakers and researchers.

关键词： financial inclusion digital financial inclusion Microfinance China

Fintech,Bank Risks,and Business Performance:From the Perspective of Inclusive Finance

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China Economic Transition 2022年第2期5卷 242-261页

作者： GUO Lihong ZHU Keda School of Finance Shanghai University of Finance and EconomicsShanghai 200433China

Recent years have seen an increasing integration of fintech and inclusive loans,leading to significant changes in banking business models and *** paper analyzes the impact of fintech on bank risks and *** research findings show the following ***,fintech has made banks more willing to issue inclusive ***,by leveraging fintech,banks have lowered the risks associated with inclusive loans and improved their performance,particularly manifested by inclusive loans to small and micro ***,in regard to financial geographic heterogeneity,with the increasing distance between branches and sub-branches,and head office,fintech,as an effective regulating tool,can help to improve the inclusive loan operations and risk control capabilities of remote branches and *** paper argues that digital financial inclusion contributes to the stable operation of banks;banks can take advantage of fintech to digitalize and intelligentize financial inclusion,thereby improving business efficiency,reducing risk exposures and expanding ***,banks should adhere to the“prudent and stable”risk appetite and“small and decentralized”credit granting principle to make safe,convenient and impartial inclusive finance services available to a variety of market *** implementing the inclusive finance development strategy,head office should consider different results among branches and sub-branches due to their varied financial geographic locations,and release differentiated assessment and incentive policies to branches and sub-branches based on economic regions in a bid to minimize policy spillovers.

关键词： fintech digital financial inclusion inclusive loans bank risks business performance