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The Impact of Digital Financial Inclusion on Intergenerational Income Mobility in China

In: Proceedings of the 2025 4th International Conference on Public Service, Economic Management and Sustainable Development (PESD 2025)

Author

Listed:
  • Anyu Li

    (Chulalongkorn University, Faculty of Economics)

Abstract

This study investigates whether digital financial inclusion promotes intergenerational income mobility in China. Using data from the China Family Panel Studies in 2018, 2020, and 2022, matched with the Peking University Digital Financial Inclusion Index, income mobility is measured through decile-based indicators of both overall and upward transitions. Given the binary nature of the dependent variables, Probit regression is used for estimation. The results show that digital financial inclusion significantly enhances intergenerational mobility, especially in urban and eastern regions and among individuals with higher education levels. These findings suggest that the development of digital finance helps reduce income persistence and expand opportunities, offering new evidence on the link between financial technology and social mobility in China.

Suggested Citation

  • Anyu Li, 2025. "The Impact of Digital Financial Inclusion on Intergenerational Income Mobility in China," Advances in Economics, Business and Management Research, in: Qihui Chen & Nazrul Islam & Zulkiflee bin Mohamed & Yahua Xu (ed.), Proceedings of the 2025 4th International Conference on Public Service, Economic Management and Sustainable Development (PESD 2025), pages 602-609, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6463-916-2_65
    DOI: 10.2991/978-94-6463-916-2_65
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