Digital Inclusive Finance, Urbanization Rate, and the Consumption Gap Between Urban and Rural Residents

DOI

10.2991/978-94-6239-640-1_22How to use a DOI?

Keywords

digital financial inclusion; urbanization rate; urban-rural consumption disparity

Abstract

We research the effect of digital inclusive finance on urban and rural resident’s consumption gap as well as the indirect effects of digital inclusive finance on urbanization rate on consumption gap of urban and rural residents. The results are achieved by implementing a two-way fixed effect regression model and the panel data of the Chinese provinces between the year 2011 and 2023, the results show that development of digital inclusive finance narrows the consumption gap between rural and urban dwellers bit by bit. Following the test of intermediate effect, the existence of the digital inclusive finance diminishes the consumption gap between the urban and the rural inhabitants by encouraging the enhancement of the urbanization velocity. On the basis of the results above, two recommendations can be made, namely, to improve the infrastructure development of inclusive finance digital to gain access to financial services. Second, encourage quality urbanization and increase the bi-way movement of the urban and rural forensics.

Copyright

© 2026 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Jiahui Sun
PY  - 2026
DA  - 2026/04/20
TI  - Digital Inclusive Finance, Urbanization Rate, and the Consumption Gap Between Urban and Rural Residents
BT  - Proceedings of the 2026 5th International Conference on Big Data Economy and Digital Management (BDEDM 2026)
PB  - Atlantis Press
SP  - 241
EP  - 248
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-640-1_22
DO  - 10.2991/978-94-6239-640-1_22
ID  - Sun2026
ER  -