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- ISSN: 2010-3646 (Online)
- Abbreviated Title: Int. J. Social. Scienc. Humanit.
- Frequency: Bimonthly
- DOI: 10.18178/IJSSH
- Editor-in-Chief: Prof. Paul Sudnik
- Executive Editor: Ms. Yoyo Y. Zhou
- Abstracting/ Indexing: Google Scholar, Index Copernicus, Crossref, Electronic Journals Library
- E-mail: ijssh.editorial.office@gmail.com
Home> Archive> 2023> Volume 13 Number 4 (Aug. 2023)
IJSSH 2023 Vol.13(4): 268-272
doi: 10.18178/ijssh.2023.V13.1157
doi: 10.18178/ijssh.2023.V13.1157
The Impact of Digital Finance on Income Gap: An Empirical Investigation from the Perspective of Banking Digitalization
Yuxin Shen* and Zhiwei Wu
Abstract—This study investigates the heterogenous effect of
digital finance on narrowing income gap. It is found that
Internet digital finance and digital finance in banking both help
narrow income gap and a U-shaped relation is found between
digital finance development and income gap. Internet digital
finance alleviates information constraints, while digital finance
in banking alleviates credit constraints in narrowing income gap.
The two forms of digital finance have stronger effects on the
income gap in economically and digitally underdeveloped areas.
This study provides suggestions for developing digital finance,
breaking the dual urban-rural financial structure and
promoting common prosperity.
Index Terms—Internet digital finance, digital finance in banking, income gap
The authors are with School of Finance, Nanjing Agricultural University, Jiangsu, China
*Correspondence: 2020118005@stu.njau.edu.cn (Y.X.S.)
Index Terms—Internet digital finance, digital finance in banking, income gap
The authors are with School of Finance, Nanjing Agricultural University, Jiangsu, China
*Correspondence: 2020118005@stu.njau.edu.cn (Y.X.S.)
Cite: Yuxin Shen and Zhiwei Wu, "The Impact of Digital Finance on Income Gap: An Empirical Investigation from the Perspective of Banking Digitalization," International Journal of Social Science and Humanity vol. 13, no. 4, pp. 268-272, 2023.
Copyright © 2023 by the authors. This is an open access article distributed under the Creative Commons Attribution License which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited (CC BY 4.0).