Article2021

How does digital finance impact the leverage of Chinese households?

Zerong Wang · Donghao Zhang · Jiancheng Wang

49 citations0/0 files storedApplied Economics Letters

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FinTech, Crowdfunding, Digital Finance Financial Literacy, Pension, Retirement Analysis Microfinance and Financial Inclusion

Abstract

In this article, digital inclusive finance positively determines the debt ratio of Chinese households. Through mechanism analysis, we clarify that digital inclusive finance affects household debt ratio by increasing household consumption and relaxing liquidity constraints. Further analysis suggests that digital inclusive finance inhibits household over-indebtedness. These findings imply the tradeoff between deleverage and over-indebtedness of Chinese household sector.

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References

2001Econometric Analysis of Cross Section and Panel Data 2012Credit Booms Gone Bust: Monetary Policy, Leverage Cycles, and Financial Crises, 1870–2008 2019The impact of digital finance on household consumption: Evidence from China

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