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Digital inclusive finance and university graduate employment: evidence from the Chinese General Social Survey

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  • Yin, Xiwen
  • Tao, Tao
  • Wang, Guowei

Abstract

Based on data from the China General Social Survey (CGSS), this study employs a binary Logit model to examine the impact of digital inclusive finance on the employment outcomes of university graduates. The results indicate that the development of digital inclusive finance significantly improves graduate employment, with heterogeneous effects observed across different individual characteristics. The local government education expenditure plays a positive moderating role in this relationship, strengthening the effect of digital inclusive finance on graduate employment. In addition, digital finance could create more employment opportunities for university graduates through promoting the development of innovation and entrepreneurship in the region.

Suggested Citation

  • Yin, Xiwen & Tao, Tao & Wang, Guowei, 2025. "Digital inclusive finance and university graduate employment: evidence from the Chinese General Social Survey," Finance Research Letters, Elsevier, vol. 85(PE).
    • Handle: RePEc:eee:finlet:v:85:y:2025:i:pe:s1544612325014448
    DOI: 10.1016/j.frl.2025.108189
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    References listed on IDEAS

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