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Digital financial inclusion, credit access and non-farm employment

Author

Listed:
  • Han, Lihong
  • Lv, Qi
  • Zhang, Qi

Abstract

In this study, we have integrated data from the China Labor-force Dynamics Survey (CLDS) with the China Digital Financial Inclusion Index to empirically examine the extent and mechanisms through which digital financial inclusion influences non-farm employment. The findings reveal that the advancement of digital financial inclusion significantly boosts the enhancement of non-farm employment. Specifically, digital financial inclusion fosters non-farm employment by facilitating rural laborers' access to credit, thereby stimulating entrepreneurial activities. Furthermore, it stabilizes employment positions and promotes non-farm employment by enhancing credit accessibility for micro and small enterprises.

Suggested Citation

  • Han, Lihong & Lv, Qi & Zhang, Qi, 2025. "Digital financial inclusion, credit access and non-farm employment," Finance Research Letters, Elsevier, vol. 72(C).
    • Handle: RePEc:eee:finlet:v:72:y:2025:i:c:s1544612324015393
    DOI: 10.1016/j.frl.2024.106510
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