The Impact of Mobile Finance Use on Livelihoods of Farmers in Rural China

Jing Wang, Xiaohua Yu, Kaiyu Lyu and Jan-Henning Feil

Emerging Markets Finance and Trade, 2022, vol. 58, issue 10, 2867-2879

Abstract: Mobile finance plays an important role in supporting productive activities and improving the basic livelihoods of rural households. Using three-round panel data and employing control function approach to address the self-selection bias issue, this study shows that mobile finance use significantly increases farmers’ livelihoods, measured by farm income and per capita consumption in China, with a larger marginal effect for smallholders and credit-constrained farmers. We further divide mobile finance into two types and reveal that the mobile payment use plays a larger role in farm income, while the mobile banking use has a larger impact on household consumption.

Date: 2022
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DOI: 10.1080/1540496X.2021.2013195

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