{"title":"Digital financial inclusion, educational attainment and household consumption","authors":"","doi":"10.1016/j.frl.2024.105976","DOIUrl":null,"url":null,"abstract":"<div><p>This paper selects the survey data of CHFS in 2017, 2019, and 2021 as a sample to explore the relationship between digital financial inclusion, educational attainment, and household consumption and finds that the development of digital financial inclusion promotes residents' consumption; the educational attainment of residents is positively correlated with household consumption; the leverage of household residents plays a mediating role in the relationship between digital financial inclusion and household consumption; and there is a difference in the impact of digital financial inclusion on household consumption differs between urban and rural residents.</p></div>","PeriodicalId":12167,"journal":{"name":"Finance Research Letters","volume":null,"pages":null},"PeriodicalIF":7.4000,"publicationDate":"2024-08-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Finance Research Letters","FirstCategoryId":"96","ListUrlMain":"https://www.sciencedirect.com/science/article/pii/S1544612324010067","RegionNum":2,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q1","JCRName":"BUSINESS, FINANCE","Score":null,"Total":0}
引用次数: 0
Abstract
This paper selects the survey data of CHFS in 2017, 2019, and 2021 as a sample to explore the relationship between digital financial inclusion, educational attainment, and household consumption and finds that the development of digital financial inclusion promotes residents' consumption; the educational attainment of residents is positively correlated with household consumption; the leverage of household residents plays a mediating role in the relationship between digital financial inclusion and household consumption; and there is a difference in the impact of digital financial inclusion on household consumption differs between urban and rural residents.
期刊介绍:
Finance Research Letters welcomes submissions across all areas of finance, aiming for rapid publication of significant new findings. The journal particularly encourages papers that provide insight into the replicability of established results, examine the cross-national applicability of previous findings, challenge existing methodologies, or demonstrate methodological contingencies.
Papers are invited in the following areas:
Actuarial studies
Alternative investments
Asset Pricing
Bankruptcy and liquidation
Banks and other Depository Institutions
Behavioral and experimental finance
Bibliometric and Scientometric studies of finance
Capital budgeting and corporate investment
Capital markets and accounting
Capital structure and payout policy
Commodities
Contagion, crises and interdependence
Corporate governance
Credit and fixed income markets and instruments
Derivatives
Emerging markets
Energy Finance and Energy Markets
Financial Econometrics
Financial History
Financial intermediation and money markets
Financial markets and marketplaces
Financial Mathematics and Econophysics
Financial Regulation and Law
Forecasting
Frontier market studies
International Finance
Market efficiency, event studies
Mergers, acquisitions and the market for corporate control
Micro Finance Institutions
Microstructure
Non-bank Financial Institutions
Personal Finance
Portfolio choice and investing
Real estate finance and investing
Risk
SME, Family and Entrepreneurial Finance