Evaluating the effects of digital finance on urban poverty

IF 6.2 2区经济学 Q1 ECONOMICS

Socio-economic Planning Sciences Pub Date : 2024-10-22 DOI:10.1016/j.seps.2024.102099

Zhimin Duan , Fangjie Yuan , Zhengjie Tian

引用次数: 0

Abstract

This study examines the impact of digital financial services development on urban poverty. Utilizing the vicious cycle of poverty theory, we established a multidimensional poverty measurement index to assess the poverty status of urban households and propose strategies for leveraging digital finance to address urban poverty. Through empirical research based on a comprehensive dataset from China covering the period from 2012 to 2020, we evaluated the moderating effect of digital financial growth on urban poverty. Our analysis, which categorized poor urban households into five groups—laid-off workers, unemployed individuals, migrants, the elderly, and disabled persons—revealed that only the unemployed and migrants experience significant benefits from digital financial development. Lastly, we explore the underlying mechanisms and emphasize the role of investment, financing, and entrepreneurship in utilizing digital finance for poverty alleviation.

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评估数字金融对城市贫困的影响

本研究探讨了数字金融服务发展对城市贫困的影响。利用贫困恶性循环理论，我们建立了多维贫困测量指数来评估城市家庭的贫困状况，并提出了利用数字金融解决城市贫困问题的策略。通过基于中国 2012 年至 2020 年综合数据集的实证研究，我们评估了数字金融增长对城市贫困的调节作用。我们将城市贫困家庭分为五类--下岗职工、失业人员、流动人口、老年人和残疾人--分析表明，只有失业人员和流动人口从数字金融发展中获得了显著收益。最后，我们探讨了数字金融扶贫的内在机制，并强调了投资、融资和创业在数字金融扶贫中的作用。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Socio-economic Planning Sciences OPERATIONS RESEARCH & MANAGEMENT SCIENCE-

CiteScore

9.40

自引率

13.10%

发文量

294

审稿时长

58 days

期刊介绍： Studies directed toward the more effective utilization of existing resources, e.g. mathematical programming models of health care delivery systems with relevance to more effective program design; systems analysis of fire outbreaks and its relevance to the location of fire stations; statistical analysis of the efficiency of a developing country economy or industry. Studies relating to the interaction of various segments of society and technology, e.g. the effects of government health policies on the utilization and design of hospital facilities; the relationship between housing density and the demands on public transportation or other service facilities: patterns and implications of urban development and air or water pollution. Studies devoted to the anticipations of and response to future needs for social, health and other human services, e.g. the relationship between industrial growth and the development of educational resources in affected areas; investigation of future demands for material and child health resources in a developing country; design of effective recycling in an urban setting.