Digital dividend or digital divide?——Unveiling the impact of digital financial inclusion on the poverty vulnerability of Chinese rural households

Wen Yang, Rui Yang, Chenxiao Zhang, Quanliang Chen · 2025 · Applied Economics

Summary. Digital financial inclusion reduces poverty vulnerability among rural Chinese households by encouraging entrepreneurship, but a digital divide prevents the poorest households from benefiting. Those living below $1.90 per day lack sufficient digital literacy, risk tolerance, and confidence to use these services. The study analyzes data from 2012 to 2020 and identifies household characteristics affecting vulnerability, offering evidence for extending digital financial services to impoverished populations.

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@article{yang-2025-digital-dividend-digital-divide-unveiling,
  title   = {Digital dividend or digital divide?——Unveiling the impact of digital financial inclusion on the poverty vulnerability of Chinese rural households},
  author  = {Wen Yang and Rui Yang and Chenxiao Zhang and Quanliang Chen},
  journal = {Applied Economics},
  year    = {2025},
  doi     = {10.1080/00036846.2025.2534733},
  url     = {https://doi.org/10.1080/00036846.2025.2534733}
}

TY  - JOUR
TI  - Digital dividend or digital divide?——Unveiling the impact of digital financial inclusion on the poverty vulnerability of Chinese rural households
AU  - Wen Yang
AU  - Rui Yang
AU  - Chenxiao Zhang
AU  - Quanliang Chen
JO  - Applied Economics
PY  - 2025
DO  - 10.1080/00036846.2025.2534733
UR  - https://doi.org/10.1080/00036846.2025.2534733
ER  - 

Details

DOI

10.1080/00036846.2025.2534733

Countries

China

Regions

Asia

Categories

broadband-and-digital, entrepreneurship, funding, general-innovation

Added

2026-08-01