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Digital financial inclusion and household debt in China

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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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    Cited by:

    1. 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).
    2. 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.
    3. 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).
    4. 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.

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