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Digital financial inclusion and household debt in China

Author

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  • Guanhua Li
  • Xue Lv
  • Xu Han

Abstract

This study investigates the impact of digital financial inclusion (DFI) on household debt in China. The development of DFI positively affects the total household debt, especially for short-term debt and long-term debt from banks. This indicates that DFI promotes more Chinese households to borrow through formal channels. Furthermore, the development of DFI stimulates more loans from Chinese urban households. Our findings provide useful insights into the important issue of Chinese household debt risk.

Suggested Citation

  • Guanhua Li & Xue Lv & Xu Han, 2023. "Digital financial inclusion and household debt in China," Applied Economics Letters, Taylor & Francis Journals, vol. 30(19), pages 2862-2866, November.
    • Handle: RePEc:taf:apeclt:v:30:y:2023:i:19:p:2862-2866
    DOI: 10.1080/13504851.2022.2110560
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    Citations

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    Cited by:

    1. Jing Chen & Yanqin Lv & Ping Yang & Yulu Zheng, 2025. "New Evidence in Sustainable Development: Does Digital Infrastructure Improve Energy Utilization Efficiency?," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 16(4), pages 15072-15100, October.
    2. Yunhui Wang & Yihua Chen, 2026. "Digital Financial Inclusion and Rural Household Debt Risks," International Journal of Finance & Economics, John Wiley & Sons, Ltd., vol. 31(2), pages 2012-2026, April.
    3. Qiuyang Zhou, 2025. "Can Digital Finance Narrow Regional Economic Disparities? Evidence From Urban Agglomerations in China," Australian Economic Papers, Wiley Blackwell, vol. 64(4), pages 435-445, December.
    4. Dieter Korczak, 2025. "The Role of Financial Education for the Prevention of Financial Fragility and Over-Indebtedness," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 11(2), pages 815-829, July.
    5. Yang, Yang & Lin, Zibo & Xu, Zhaoyi & Liu, Shuwen, 2024. "The impact of digital finance on regional economic resilience," Pacific-Basin Finance Journal, Elsevier, vol. 85(C).
    6. Bai, Hengrui & Wu, Yiming & Wang, Ruiqian, 2023. "Does digital financial inclusion lead to regional differences in trade credit financing?: A quasi-natural experiment," Economic Analysis and Policy, Elsevier, vol. 80(C), pages 1475-1489.
    7. Yong Ma & Yiqing Jiang, 2024. "Digital financial inclusion and corporate investment efficiency: Evidence from small‐ and medium‐sized enterprises in China," Review of Development Economics, Wiley Blackwell, vol. 28(3), pages 929-957, August.
    8. Carolina Guerini & Donato Masciandaro & Alessia Papini, 2025. "Literacy and Financial Education: Private Providers, Public Certification and Political Preferences," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 11(2), pages 463-514, July.
    9. Foguesatto, Cristian Rogério & Righi, Marcelo Brutti & Müller, Fernanda Maria, 2024. "Is there a dark side to financial inclusion? Understanding the relationship between financial inclusion and market risk," The North American Journal of Economics and Finance, Elsevier, vol. 72(C).
    10. Mao Wu & Qianqian Zhang & Yujie He, 2026. "Inclusion or Exclusion: The Impact of Digital Finance on Intra-City Economic Inequality and Its Spatial Spillover Effect," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 17(1), pages 1305-1345, February.
    11. Cloudio Kumbirai Chikeya & Lungile Ntsalaze, 2025. "Determinants of Household Debt: A Systematic Review of the Literature," Economies, MDPI, vol. 13(3), pages 1-36, March.
    12. Qin Xiong, 2024. "Impact of Digital Inclusive Finance on common prosperity in China's Social Media Era," Business and Management Studies, Redfame publishing, vol. 10(2), pages 1-47, December.
    13. Xiao, Biyun & Li, Haibo, 2025. "Financial efficiency, green innovation and green total factor productivity," Finance Research Letters, Elsevier, vol. 76(C).
    14. Carolina Guerini & Donato Masciandaro & Alessia Papini, 2024. "Literacy and Financial Education: Private Providers, Public Certification and Political Preferences," BAFFI CAREFIN Working Papers 24223, BAFFI CAREFIN, Centre for Applied Research on International Markets Banking Finance and Regulation, Universita' Bocconi, Milano, Italy.
    15. Weidong Huo & Jintao Li, 2026. "Does digital transformation exacerbate systemic financial risks in banks? Evidence from listed commercial banks in China," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 12(1), pages 1-43, December.

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