Digital inclusive finance and asset allocation of Chinese residents: Evidence from the China Household Finance Survey

Kun Li; He Mengmeng; Junjun Huo

PLoS ONE · 2022-05-05
Research article · Published full-text version held by Europe PMC · CC BY 4.0 · 7,639 words

Original source: Volume 17 · Issue 5 · e0267055

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Title: Digital inclusive finance and asset allocation of Chinese residents: Evidence from the China Household Finance Survey
Authors / creators: Kun Li; He Mengmeng; Junjun Huo
Source: Complete manuscript edition 2026-11-05
Editorial record: Attributed Creative Commons source edition. Original publication and authorship remain with the source. Hosting is not a new peer-review decision.

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Original authors / creators: Kun Li; He Mengmeng; Junjun Huo
Original publication: PLoS ONE · PLOS · 2022-05-05
Source & version: Authoritative source ↗ · Published full-text version held by Europe PMC
doi:10.1371/journal.pone.0267055
License & retained notices: CC BY 4.0
© 2022 Li et al
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https://creativecommons.org/licenses/by/4.0/This is an open access article distributed under the terms of the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original author and source are credited. Article-specific license URI: https://creativecommons.org/licenses/by/4.0/
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Evidence limits: Adjacent research, not a directly sampled family-office study. Applicability to a family office requires separate assessment. In terms of policy significance, the research results of this paper will help the government formulate accurate and effective inclusive financial development policies and make practical contributions to China to seize the opportunity of targeted poverty alleviation and solve the problem of farmers’ poverty. Inclusive Finance helps expand financial coverage, break through the limitations of traditional economic space, and has an essential impact on alleviating Financial Exclusion, reducing the poverty rate, and narrowing the income gap between urban and rural areas. Furthermore, through heterogeneity analysis, this paper explores the differences of different groups affected by the development of Inclusive Finance so that the government can more effectively identify financial assistance groups and improve the accuracy of China’s inclusive financial services and the effectiveness of Inclusive Finance-related policies.
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Preserved record: Rights and full text checked 2026-11-05. Included in this volume on 2026-11-05. Original source dates remain unchanged.
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