The role of digital financial inclusion in increasing fertility intentions: evidence from China
The role of digital financial inclusion in increasing fertility intentions: evidence from China
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DOI：
10.1080/00036846.2023.2244249
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发表时间：
2023-08
影响因子：
2.2
通讯作者：
Jiajun Lan;Yinghao Pan;Yingjie Yu
中科院分区：
文献类型：
--
作者：
Jiajun Lan;Yinghao Pan;Yingjie Yu
摘要数字金融包容性对促进区域发展至关重要，但其对人口变化的影响需要进一步研究。本研究利用2012年至2017年中国综合社会调查的数据，就数字金融包容性的增长如何影响中国的生育意愿提供了经验证据。结果表明，省级数字金融包容性指数每增加1%，生育意愿就会增加0.136%。这些发现适用于数字金融包容性的不同组成部分，并且对工具变量方法是稳健的。此外，研究显示，数字金融普惠的扩大对低收入群体家庭、中国中西部地区和低学历女性的影响更为显著。这些结果突显了数字金融包容性在解决全球人口下降问题上的重要性。
ABSTRACT Digital financial inclusion is essential for promoting regional development, but its impact on demographic change requires further investigation. Using data from the Chinese General Social Survey (CGSS) between 2012 and 2017, this study provides empirical evidence on how the growth of digital financial inclusion affects fertility intentions in China. The results indicate that a one percent increase in the provincial-level digital financial inclusion index is associated with a 0.136% increase in fertility intentions. These findings hold across different components of digital financial inclusion and are robust to instrumental variable approaches. Moreover, the study shows that the expansion of digital financial inclusion has a more significant effect on households in low-income groups, central and western regions of China, and women with low educational attainment. These results underscore the importance of digital financial inclusion in addressing population declines worldwide.