金融包容性
金融知识
互联网
人气
业务
中国
包裹体(矿物)
金融服务
财务分析
调解
金融科技
财务
金融体系
计算机科学
政治学
心理学
万维网
法学
社会心理学
作者
Shen Yan,C. James Hueng,Wenxiu Hu
标识
DOI:10.1080/13504851.2019.1606401
摘要
We investigate the channels through which financial inclusion can be achieved in China. The Partial Least Squares approach to Structural Equation Modelling is used to analyse the relationships among financial literacy, Internet usage, digital financial products usage, and financial inclusion. We show that Internet usage has no direct impact on financial inclusion. Rather, the direct impact comes from the level of financial literacy and the use of digital financial products, which are advanced by popularity of the Internet. Internet usage and digital financial products usage play a multiple mediation role between financial literacy and financial inclusion. We conclude that to achieve the goal of advancing financial inclusion, Chinese policymakers should improve the consumers’ financial literacy and promote the use of digital financial products.
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