The Impact of Digital Finance Development on Urban-Rural Income Gap——Mechanism Analysis Based on the Availability and Inclusiveness of Financial Services

<p>Jinglong Li</p> · 2025 · Academic Journal of Business & Management

Summary. Digital finance development significantly reduces the urban-rural income gap in China. The study analyzes provincial data from 2011 to 2022 and finds that increased digital finance narrows income inequality through two mechanisms: improved accessibility and greater inclusiveness of financial services. Both pathways matter, though accessibility has slightly stronger effects. The impact is strongest in central and western regions, suggesting regional variation in how digital finance benefits rural populations.

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@article{li-p-2025-impact-digital-finance-development-urban,
  title   = {The Impact of Digital Finance Development on Urban-Rural Income Gap——Mechanism Analysis Based on the Availability and Inclusiveness of Financial Services},
  author  = {<p>Jinglong Li</p>},
  journal = {Academic Journal of Business & Management},
  year    = {2025},
  doi     = {10.25236/ajbm.2025.070805},
  url     = {https://doi.org/10.25236/ajbm.2025.070805}
}

TY  - JOUR
TI  - The Impact of Digital Finance Development on Urban-Rural Income Gap——Mechanism Analysis Based on the Availability and Inclusiveness of Financial Services
AU  - <p>Jinglong Li</p>
JO  - Academic Journal of Business & Management
PY  - 2025
DO  - 10.25236/ajbm.2025.070805
UR  - https://doi.org/10.25236/ajbm.2025.070805
ER  - 

Details

DOI

10.25236/ajbm.2025.070805

Countries

China

Regions

Asia

Categories

broadband-and-digital, funding, regional-innovation-systems, general-innovation

Added

2026-06-01