{"id":"https://openalex.org/W3202228203","doi":"https://doi.org/10.1108/caer-10-2020-0255","title":"Digital inclusive finance and rural consumption structure \u2013 evidence from Peking University digital inclusive financial index and China household finance survey","display_name":"Digital inclusive finance and rural consumption structure \u2013 evidence from Peking University digital inclusive financial index and China household finance survey","publication_year":2021,"publication_date":"2021-09-24","ids":{"openalex":"https://openalex.org/W3202228203","doi":"https://doi.org/10.1108/caer-10-2020-0255","mag":"3202228203"},"language":"en","primary_location":{"id":"doi:10.1108/caer-10-2020-0255","doi":"https://doi.org/10.1108/caer-10-2020-0255","is_oa":false,"landing_page_url":"https://doi.org/10.1108/caer-10-2020-0255","pdf_url":null,"source":{"id":"https://openalex.org/S171031257","display_name":"China Agricultural Economic Review","issn_l":"1756-137X","issn":["1756-137X","1756-1388"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-b","cwts-core","jufo-1","norway-1","poland-70","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310319811","host_organization_name":"Emerald Publishing Limited","host_organization_lineage":["https://openalex.org/P4310319811"],"host_organization_lineage_names":["Emerald Publishing Limited"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"China Agricultural Economic Review","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5101193350","display_name":"Chuanjiang Yu","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I24185976","display_name":"Sichuan University","ror":"https://ror.org/011ashp19","country_code":"CN","type":"education","lineage":["https://openalex.org/I24185976"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Chuanjiang Yu","raw_affiliation_strings":["School of Economics, Sichuan University, Chengdu, China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Economics, Sichuan University, Chengdu, China","institution_ids":["https://openalex.org/I24185976"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5054872421","display_name":"Nan Jia","orcid":"https://orcid.org/0000-0003-3895-2464","observed_orcids":["https://orcid.org/0000-0003-3895-2464"]},"institutions":[{"id":"https://openalex.org/I24185976","display_name":"Sichuan University","ror":"https://ror.org/011ashp19","country_code":"CN","type":"education","lineage":["https://openalex.org/I24185976"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Nan Jia","raw_affiliation_strings":["School of Economics, Sichuan University, Chengdu, China"],"raw_orcid":"https://orcid.org/0000-0003-3895-2464","affiliations":[{"raw_affiliation_string":"School of Economics, Sichuan University, Chengdu, China","institution_ids":["https://openalex.org/I24185976"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5100461983","display_name":"Wenqi Li","orcid":"https://orcid.org/0000-0002-0433-4177","observed_orcids":["https://orcid.org/0000-0002-0433-4177","https://orcid.org/0009-0003-2604-3340","https://orcid.org/0000-0002-3434-0332"]},"institutions":[{"id":"https://openalex.org/I24185976","display_name":"Sichuan University","ror":"https://ror.org/011ashp19","country_code":"CN","type":"education","lineage":["https://openalex.org/I24185976"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Wenqi Li","raw_affiliation_strings":["School of Economics, Sichuan University, Chengdu, China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Economics, Sichuan University, Chengdu, China","institution_ids":["https://openalex.org/I24185976"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5008111914","display_name":"Rui Ting Wu","orcid":"https://orcid.org/0000-0001-7910-6614","observed_orcids":["https://orcid.org/0000-0001-7910-6614"]},"institutions":[{"id":"https://openalex.org/I24185976","display_name":"Sichuan University","ror":"https://ror.org/011ashp19","country_code":"CN","type":"education","lineage":["https://openalex.org/I24185976"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Rui Wu","raw_affiliation_strings":["School of Economics, Sichuan University, Chengdu, China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Economics, Sichuan University, Chengdu, China","institution_ids":["https://openalex.org/I24185976"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I24185976"],"apc_list":null,"apc_paid":null,"fwci":19.8729,"has_fulltext":false,"cited_by_count":235,"citation_normalized_percentile":{"value":0.99286876,"is_in_top_1_percent":true,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":99,"max":100},"biblio":{"volume":"14","issue":"1","first_page":"165","last_page":"183"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.7631999850273132,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.7631999850273132,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.22179999947547913,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13867","display_name":"Economic Growth and Development","score":0.003599999938160181,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/digital-financial-inclusion","display_name":"digital financial inclusion","score":0.9789999723434448},{"id":"https://openalex.org/keywords/rural-household-consumption","display_name":"rural household consumption","score":0.8180000185966492},{"id":"https://openalex.org/keywords/consumption-structure-upgrading","display_name":"consumption structure upgrading","score":0.9010000228881836},{"id":"https://openalex.org/keywords/intergenerational-digital-divide","display_name":"intergenerational digital divide","score":0.7570000290870667},{"id":"https://openalex.org/keywords/age-heterogeneity","display_name":"age heterogeneity","score":0.9169999957084656},{"id":"https://openalex.org/keywords/liquidity-constraints","display_name":"liquidity constraints","score":0.6060000061988831},{"id":"https://openalex.org/keywords/payment-methods","display_name":"payment methods","score":0.8320000171661377},{"id":"https://openalex.org/keywords/rural-china","display_name":"rural China","score":0.6759999990463257}],"concepts":[{"id":"https://openalex.org/C30772137","wikidata":"https://www.wikidata.org/wiki/Q5164762","display_name":"Consumption (sociology)","level":2,"score":0.6399993300437927},{"id":"https://openalex.org/C166866094","wikidata":"https://www.wikidata.org/wiki/Q1307251","display_name":"Tobit model","level":2,"score":0.6129603385925293},{"id":"https://openalex.org/C2777382242","wikidata":"https://www.wikidata.org/wiki/Q6017816","display_name":"Index (typography)","level":2,"score":0.5900900959968567},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.5457446575164795},{"id":"https://openalex.org/C191935318","wikidata":"https://www.wikidata.org/wiki/Q148","display_name":"China","level":2,"score":0.5063091516494751},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.4994504451751709},{"id":"https://openalex.org/C162144332","wikidata":"https://www.wikidata.org/wiki/Q1665305","display_name":"Instrumental variable","level":2,"score":0.46798229217529297},{"id":"https://openalex.org/C129047720","wikidata":"https://www.wikidata.org/wiki/Q175185","display_name":"Rural area","level":2,"score":0.45974403619766235},{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.45445916056632996},{"id":"https://openalex.org/C177033891","wikidata":"https://www.wikidata.org/wiki/Q5164722","display_name":"Consumer spending","level":3,"score":0.44652819633483887},{"id":"https://openalex.org/C198477413","wikidata":"https://www.wikidata.org/wiki/Q7647069","display_name":"Survey data collection","level":2,"score":0.4331343173980713},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.3644181191921234},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.3520212173461914},{"id":"https://openalex.org/C50522688","wikidata":"https://www.wikidata.org/wiki/Q189833","display_name":"Economic growth","level":1,"score":0.3307154178619385},{"id":"https://openalex.org/C149782125","wikidata":"https://www.wikidata.org/wiki/Q160039","display_name":"Econometrics","level":1,"score":0.11904579401016235},{"id":"https://openalex.org/C144024400","wikidata":"https://www.wikidata.org/wiki/Q21201","display_name":"Sociology","level":0,"score":0.09935888648033142},{"id":"https://openalex.org/C205649164","wikidata":"https://www.wikidata.org/wiki/Q1071","display_name":"Geography","level":0,"score":0.08979815244674683},{"id":"https://openalex.org/C139719470","wikidata":"https://www.wikidata.org/wiki/Q39680","display_name":"Macroeconomics","level":1,"score":0.07755285501480103},{"id":"https://openalex.org/C195742910","wikidata":"https://www.wikidata.org/wiki/Q176494","display_name":"Recession","level":2,"score":0.0},{"id":"https://openalex.org/C36289849","wikidata":"https://www.wikidata.org/wiki/Q34749","display_name":"Social science","level":1,"score":0.0},{"id":"https://openalex.org/C105795698","wikidata":"https://www.wikidata.org/wiki/Q12483","display_name":"Statistics","level":1,"score":0.0},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.0},{"id":"https://openalex.org/C166957645","wikidata":"https://www.wikidata.org/wiki/Q23498","display_name":"Archaeology","level":1,"score":0.0},{"id":"https://openalex.org/C142724271","wikidata":"https://www.wikidata.org/wiki/Q7208","display_name":"Pathology","level":1,"score":0.0},{"id":"https://openalex.org/C136764020","wikidata":"https://www.wikidata.org/wiki/Q466","display_name":"World Wide Web","level":1,"score":0.0},{"id":"https://openalex.org/C71924100","wikidata":"https://www.wikidata.org/wiki/Q11190","display_name":"Medicine","level":0,"score":0.0},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.0}],"mesh":[],"locations_count":3,"locations":[{"id":"doi:10.1108/caer-10-2020-0255","doi":"https://doi.org/10.1108/caer-10-2020-0255","is_oa":false,"landing_page_url":"https://doi.org/10.1108/caer-10-2020-0255","pdf_url":null,"source":{"id":"https://openalex.org/S171031257","display_name":"China Agricultural Economic Review","issn_l":"1756-137X","issn":["1756-137X","1756-1388"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-b","cwts-core","jufo-1","norway-1","poland-70","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310319811","host_organization_name":"Emerald Publishing Limited","host_organization_lineage":["https://openalex.org/P4310319811"],"host_organization_lineage_names":["Emerald Publishing Limited"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"China Agricultural Economic Review","raw_type":"journal-article"},{"id":"pmh:oai:RePEc:eme:caer00:caer-10-2020-0255","doi":null,"is_oa":false,"landing_page_url":"https://www.emerald.com/insight/content/doi/10.1108/CAER-10-2020-0255.html?utm_source=repec&utm_medium=feed&utm_campaign=repec","pdf_url":null,"source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article"},{"id":"pmh:oai:RePEc:eme:caerpp:caer-10-2020-0255","doi":null,"is_oa":false,"landing_page_url":"https://www.emerald.com/insight/content/doi/10.1108/CAER-10-2020-0255/full/html?utm_source=repec&utm_medium=feed&utm_campaign=repec","pdf_url":null,"source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article"}],"best_oa_location":null,"sustainable_development_goals":[{"display_name":"Reduced inequalities","id":"https://metadata.un.org/sdg/10","score":0.7578999996185303},{"display_name":"No poverty","id":"https://metadata.un.org/sdg/1","score":0.666700005531311}],"study_designs":[{"display_name":"Observational Study","id":"https://openalex.org/study-designs/observational-study"}],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":12,"referenced_works":["https://openalex.org/W279871603","https://openalex.org/W1912888988","https://openalex.org/W2030691535","https://openalex.org/W2041298433","https://openalex.org/W2069302951","https://openalex.org/W2107554903","https://openalex.org/W2373621131","https://openalex.org/W2770243766","https://openalex.org/W2793072408","https://openalex.org/W2954817769","https://openalex.org/W2973338680","https://openalex.org/W3173172783"],"related_works":["https://openalex.org/W4409958700","https://openalex.org/W7171517991","https://openalex.org/W7126106861","https://openalex.org/W4411593251","https://openalex.org/W4400340114","https://openalex.org/W4297687870","https://openalex.org/W4399742091","https://openalex.org/W4285200486","https://openalex.org/W4413274845","https://openalex.org/W7167488416"],"abstract_inverted_index":{"Purpose":[0],"This":[1],"paper":[2,242],"examines":[3,243],"the":[4,18,21,28,53,72,79,98,106,121,124,132,145,156,192,211,221,232,244,258,261,268,296,308,315,318,327,333,356,364,382,394,404,415,429,444,451,455,461,466,469],"impact":[5,19,245,259],"and":[6,40,140,182,198,237,246,280,304,343,348,388,400,463],"mechanism":[7,80,247],"of":[8,20,23,30,46,56,74,81,100,108,123,149,165,173,185,194,248,260,263,270,298,301,335,358,366,396,407,417,431,438,446,468,478],"China's":[9,249],"digital":[10,24,59,82,101,174,195,212,250,264,288,328,359,385,411,425,457],"inclusive":[11,25,60,83,102,175,196,213,251,265,289,329,360,386,412,426,458],"finance":[12,26,61,84,103,214,252,266,290,330,361,387,413,427,459],"on":[13,27,144,191,231,253,267,307,314,381],"rural":[14,31,63,87,109,222,233,254,271,302,336,367,389,398,408,418,432,447],"consumption":[15,33,66,88,110,236,255,273,299,334,368,390,399,419,433,448],"upgrade.":[16,256],"First,":[17,257],"development":[22,193,262],"upgrading":[29,105,269,363,430,445],"household":[32,272],"structure":[34,107,274,300,365,449],"is":[35,69,90,128,168,199,275,285,291,310,437],"to":[36,52,71,91,96,111,276,354,369,442,471,481],"be":[37,92,117,277,375,482],"theoretically":[38,278],"analyzed":[39,279],"empirically":[41,281],"tested.":[42,282],"Secondly,":[43,283],"in":[44,85,104,219,294,362],"terms":[45],"heterogeneity":[47,55,479],"analysis,":[48],"it":[49,284,436],"pays":[50],"attention":[51],"age":[54,292],"users":[57],"that":[58,210,287,313,326],"influencing":[62],"residents'":[64],"developmental":[65,113,224,371],"upgrade,":[67],"which":[68],"related":[70],"issue":[73],"intergenerational":[75,319],"\u201cdigital":[76,320],"gap\u201d.":[77,321],"Thirdly,":[78,322],"promoting":[86,220,295],"upgrade":[89,297,416],"investigated.":[93],"Finally,":[94,352],"how":[95,353],"promote":[97,355,414,428],"role":[99,218,357],"a":[112,216,370],"demand":[114,372],"level":[115,373,395,423],"will":[116,374],"showed.":[118,376],"Design/methodology/approach":[119],"From":[120],"perspective":[122],"micro-household,":[125],"this":[126,241,475],"study":[127,443],"conducted":[129],"by":[130,202],"using":[131],"instrumental":[133,171],"variable":[134,172],"(IV)":[135],"method,":[136],"with":[137,155],"2SLS":[138],"model":[139],"IV-Tobit":[141],"model,":[142],"based":[143],"matched":[146],"city-level":[147],"data":[148],"Digital":[150],"Inclusive":[151],"Financial":[152,159],"Index":[153],"(DIFI)":[154],"Chinese":[157],"Household":[158],"Survey":[160],"(CHFS).":[161],"\u201cThe":[162],"relief":[163],"degree":[164],"land":[166],"surface\u201d":[167],"an":[169],"ideal":[170],"finance,":[176,197],"for":[177,317],"including":[178],"regional":[179,186],"altitude":[180],"difference":[181],"terrain":[183],"factors":[184],"area,":[187],"has":[188,227,401],"theoretical":[189,440],"influence":[190],"not":[200,402],"affected":[201],"other":[203],"economic":[204],"variables.":[205],"Findings":[206],"The":[207,378],"conclusions":[208,324],"show":[209],"plays":[215],"significant":[217,229],"households'":[223,234],"consumption,":[225],"but":[226],"no":[228],"effect":[230,306],"survival-type":[235],"hedonistic":[238],"consumption.":[239,409],"Furthermore,":[240],"discovered":[286],"heterogeneous":[293],"household,":[303],"its":[305],"elderly":[309,462,470],"weaker":[311],"than":[312],"young":[316],"these":[323],"reveal":[325],"does":[331],"affect":[332],"residents":[337],"through":[338],"three":[339],"mechanisms:":[340],"increasing":[341],"income":[342],"wealth,":[344],"easing":[345],"liquidity":[346],"constraints":[347],"facilitating":[349],"payment":[350],"methods.":[351],"Originality/value":[377],"current":[379,456],"research":[380],"relationship":[383],"between":[384],"only":[391],"stays":[392],"at":[393],"total":[397],"stressed":[403],"structural":[405],"problems":[406],"Can":[410,454],"structure?":[420,434],"To":[421],"what":[422],"can":[424],"Therefore,":[435],"great":[439],"value":[441],"from":[450],"micro":[452],"level.":[453],"benefit":[460],"help":[464],"break":[465],"vulnerability":[467],"enjoy":[472],"finance?":[473],"In":[474],"regard,":[476],"evidence":[477],"remains":[480],"provided.":[483]},"counts_by_year":[{"year":2026,"cited_by_count":49},{"year":2025,"cited_by_count":76},{"year":2024,"cited_by_count":54},{"year":2023,"cited_by_count":40},{"year":2022,"cited_by_count":16}],"updated_date":"2026-11-07T11:25:07.637180","created_date":"2021-10-11T00:00:00"}