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Digital Finance and Settlement for Long Term: Evidence from Rural-Urban Migrants

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  • Shao-Chieh Hsueh
  • Shuying Jiang
  • Shuoxun Zhang

Abstract

This paper studies whether digital financial development encourages rural-urban migrants to settle down for a longer period of time. Using data from the China Migrants Dynamic Survey (CMDS) for periods 2014–2018, our results support an overall facilitating effect in the decision to stay for the long-term from a digital finance perspective. The effect of digital finance is more pronounced for migrants who are internet users, above high-school education, younger than 35 years old, with urban hukou, or intra-provincial migrants. Moreover, the availability of the formal finance supports long-term settlement for migrants who are older than 35, inter-provincial migrants, or self-employed.

Suggested Citation

  • Shao-Chieh Hsueh & Shuying Jiang & Shuoxun Zhang, 2024. "Digital Finance and Settlement for Long Term: Evidence from Rural-Urban Migrants," Emerging Markets Finance and Trade, Taylor & Francis Journals, vol. 60(8), pages 1841-1857, June.
    • Handle: RePEc:mes:emfitr:v:60:y:2024:i:8:p:1841-1857
    DOI: 10.1080/1540496X.2023.2290538
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