Journal
EMERGING MARKETS FINANCE AND TRADE
Volume -, Issue -, Pages -Publisher
ROUTLEDGE JOURNALS, TAYLOR & FRANCIS LTD
DOI: 10.1080/1540496X.2023.2290538
Keywords
Digital financial development; rural-urban migration; long-term settlement; financial development; financial inclusion; G21; J61; N25; R23
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This study examines the impact of digital financial development on the long-term settlement of rural-urban migrants. The findings suggest that digital finance has an overall facilitating effect on the decision to stay for the long-term, particularly for migrants who are internet users, have higher education levels, are below 35 years old, have urban household registration (hukou), or are intra-provincial migrants. Additionally, the availability of formal finance supports long-term settlement for migrants who are older than 35, inter-provincial migrants, or self-employed.
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.
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