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Financial accessibility, digital skills, and family entrepreneurship: Evidence from the China family panel studies (CFPS)

Author

Listed:
  • Qiao, Shuo
  • Xiong, Haoran
  • Wu, Xiaohan
  • Zhang, Jing

Abstract

This paper utilizes micro-family data from the China Family Panel Studies (CFPS) as a research sample to explore the relationship between financial accessibility, digital skills, and family entrepreneurship. The study finds a significant positive correlation between financial accessibility and family entrepreneurship behavior; the positive impact of financial accessibility on family entrepreneurship is particularly pronounced among urban families and those with higher educational attainment. Digital skills play a mediating role in the relationship between financial accessibility and family entrepreneurship, and this mediating effect is notably significant in families headed by young and middle-aged adults, but not in families headed by older adults. This research provides new micro-level evidence to understand how inclusive finance and digital literacy can synergistically enhance family entrepreneurial vitality in the digital economy era.

Suggested Citation

  • Qiao, Shuo & Xiong, Haoran & Wu, Xiaohan & Zhang, Jing, 2026. "Financial accessibility, digital skills, and family entrepreneurship: Evidence from the China family panel studies (CFPS)," Finance Research Letters, Elsevier, vol. 91(C).
    • Handle: RePEc:eee:finlet:v:91:y:2026:i:c:s1544612326000176
    DOI: 10.1016/j.frl.2026.109486
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