Digital financial inclusion, credit access and non-farm employment

Lihong Han, Qi Lv and Qi Zhang

Finance Research Letters, 2025, vol. 72, issue C

Abstract: In this study, we have integrated data from the China Labor-force Dynamics Survey (CLDS) with the China Digital Financial Inclusion Index to empirically examine the extent and mechanisms through which digital financial inclusion influences non-farm employment. The findings reveal that the advancement of digital financial inclusion significantly boosts the enhancement of non-farm employment. Specifically, digital financial inclusion fosters non-farm employment by facilitating rural laborers' access to credit, thereby stimulating entrepreneurial activities. Furthermore, it stabilizes employment positions and promotes non-farm employment by enhancing credit accessibility for micro and small enterprises.

Keywords: Digital financial inclusion; Credit access; Non-farm employment (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:eee:finlet:v:72:y:2025:i:c:s1544612324015393

DOI: 10.1016/j.frl.2024.106510

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