{"title":"Evaluating the effects of digital finance on urban poverty","authors":"Zhimin Duan , Fangjie Yuan , Zhengjie Tian","doi":"10.1016/j.seps.2024.102099","DOIUrl":null,"url":null,"abstract":"<div><div>This study examines the impact of digital financial services development on urban poverty. Utilizing the vicious cycle of poverty theory, we established a multidimensional poverty measurement index to assess the poverty status of urban households and propose strategies for leveraging digital finance to address urban poverty. Through empirical research based on a comprehensive dataset from China covering the period from 2012 to 2020, we evaluated the moderating effect of digital financial growth on urban poverty. Our analysis, which categorized poor urban households into five groups—laid-off workers, unemployed individuals, migrants, the elderly, and disabled persons—revealed that only the unemployed and migrants experience significant benefits from digital financial development. Lastly, we explore the underlying mechanisms and emphasize the role of investment, financing, and entrepreneurship in utilizing digital finance for poverty alleviation.</div></div>","PeriodicalId":22033,"journal":{"name":"Socio-economic Planning Sciences","volume":"96 ","pages":"Article 102099"},"PeriodicalIF":6.2000,"publicationDate":"2024-10-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Socio-economic Planning Sciences","FirstCategoryId":"96","ListUrlMain":"https://www.sciencedirect.com/science/article/pii/S0038012124002994","RegionNum":2,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q1","JCRName":"ECONOMICS","Score":null,"Total":0}
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Abstract
This study examines the impact of digital financial services development on urban poverty. Utilizing the vicious cycle of poverty theory, we established a multidimensional poverty measurement index to assess the poverty status of urban households and propose strategies for leveraging digital finance to address urban poverty. Through empirical research based on a comprehensive dataset from China covering the period from 2012 to 2020, we evaluated the moderating effect of digital financial growth on urban poverty. Our analysis, which categorized poor urban households into five groups—laid-off workers, unemployed individuals, migrants, the elderly, and disabled persons—revealed that only the unemployed and migrants experience significant benefits from digital financial development. Lastly, we explore the underlying mechanisms and emphasize the role of investment, financing, and entrepreneurship in utilizing digital finance for poverty alleviation.
期刊介绍：
Studies directed toward the more effective utilization of existing resources, e.g. mathematical programming models of health care delivery systems with relevance to more effective program design; systems analysis of fire outbreaks and its relevance to the location of fire stations; statistical analysis of the efficiency of a developing country economy or industry.
Studies relating to the interaction of various segments of society and technology, e.g. the effects of government health policies on the utilization and design of hospital facilities; the relationship between housing density and the demands on public transportation or other service facilities: patterns and implications of urban development and air or water pollution.
Studies devoted to the anticipations of and response to future needs for social, health and other human services, e.g. the relationship between industrial growth and the development of educational resources in affected areas; investigation of future demands for material and child health resources in a developing country; design of effective recycling in an urban setting.
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