In the digital era,the protection of human rights inevitably integrates digital technology and presents distinctive relevant characteristics.Therefore,the concept of digital inclusion should be introduced.However,the ...In the digital era,the protection of human rights inevitably integrates digital technology and presents distinctive relevant characteristics.Therefore,the concept of digital inclusion should be introduced.However,the protection of human rights in the digital age still faces four significant challenges,namely,limitations in hardware systems with unrealized access rights,lack of digital competency with widening digital divide,low degree of empowerment and inefficiency in digital utilization,as well as frequent digital infringements and compromised digital rights.To address these challenges,it is essential to ensure barrier-free access to information technology to strengthen the foundation of human rights protection,promote the extensive participation of social entities to expand the scope of human rights protection,provide inclusive services for diverse groups to deepen the content of human rights protection,eliminate the digital divide to promote equal realization of human rights protection,and enhance citizens’digital literacy and capabilities to improve the efficacy of digital protection of human rights.Under the framework of digital inclusion,the specific measures to achieve the digital protection of human rights are led by the value orientation and practical needs of the rights to subsistence and development,aiming to advance the universal protection,differential protection,and enhanced protection of human rights through digital inclusion.展开更多
This article reviews social regulatory and redistributive policies in China that aim at fostering digital inclusion of persons with disabilities.We examine the emerging Chinese policies and how China has responded to ...This article reviews social regulatory and redistributive policies in China that aim at fostering digital inclusion of persons with disabilities.We examine the emerging Chinese policies and how China has responded to the impacts of the coronavirus disease(COVID-19)on digital inclusion in terms of redistribution,market regulation,involvement of persons with disabilities and disabled people’s organizations(DPOs),and awareness-raising campaigns.The policy review demonstrates that the Chinese policy framework contains a few redistributive initiatives,for example,cash transfer programs,and free distribution of information and communications technology(ICT).These have the potential to increase the uptake of ICT among persons with disabilities.The Chinese policy framework also includes provisions to ensure consultation with individual persons with disabilities and DPOs in the deliberation and implementation of ICT accessibility policies.While China has initiated awareness-raising campaigns among market actors about the importance of digital inclusion,so far,the Chinese government has adopted little legal regulation of the market to foster accessibility to ICT.The article thus argues that some of the limitations may be due to the way state–market relations have developed since the economy opened up in 1978.Apart from the growing benefits of several cash transfer programs,we have not seen major changes or adjustments to the current policy framework during the efforts to mitigate the impact of COVID-19 on digital inclusion.展开更多
Adapting systems and technology for an aging population has benefits for older people,the consumer market industry itself and all of society.To promote knowledge sharing on innovations for healthy ageing and digital i...Adapting systems and technology for an aging population has benefits for older people,the consumer market industry itself and all of society.To promote knowledge sharing on innovations for healthy ageing and digital inclusion of older people in the Western Pacific Region,a hybrid conference on“Digital inclusion of older peo-ple:harnessing digital technologies to promote healthy ageing in the Western Pacific Region”was held on 23 June 2021 by China Academy of Information and Communications Technology,a WHO Collaborating Centre for Digital Health.Barriers from demand side include:(1)unaffordability;(2)poor Information and Communication technology(ICT)knowledge and skills for navigation;and(3)low self-efficacy and motivation.Supply barriers include:(1)youth-centred design;(2)ageism;and(3)anti-facilitative environment including infrastructure and age-biased technology.Existing practices to overcome digital inclusion barriers were shared:(1)landmark ini-tiatives related to the health and social welfare;(2)laws and policies to improve aged care services,strengthen social services,enrich spiritual and cultural life for older people;(3)ICT infrastructure and residential care facil-ities based on the philosophy of family care and supported by community care;(4)affordable digital application and adaptive feature design to better enable and motivate their desire to use digital technology;and(5)com-munity activities such as trainings and tutorials to enhance digital capacity and literacy of older people.Main principles highlighted include market motivation,human-centered design,creating enabling environments,and multi-stakeholder collaborations to provide guidance to customize strategy under context of different regions and countries,instead of a one-size-fits-all solution,to avoid the risk of exacerbating inequalities experienced by older people,caused by accelerated ICT innovation,and advocate for more affordable products in the silver market.展开更多
The vigorous development of information and communications technology has accelerated reshaping of the financial industry. The COVID-19 pandemic has further catalyzed the demand for digital financial services. Digital...The vigorous development of information and communications technology has accelerated reshaping of the financial industry. The COVID-19 pandemic has further catalyzed the demand for digital financial services. Digital financial inclusion relies on information technology to overcome spatial limitations. In this case, the research question is whether it adheres to the spatial laws governing conventional financial activities. This study uses exploratory spatial data analysis and a geographical detector to elucidate the spatiotemporal characteristics and factors influencing digital financial inclusion at the county level in China(Data don’t include that of Hong Kong, Macao and Taiwan of China) from 2014 to 2020. The research findings indicate: first, China’s county-level digital financial inclusion is generally increasing and exhibits significant spatial autocorrelation. Second, population density, level of traditional financial development, government regulation, and education level are key determinants of China’s county-level digital financial inclusion. Third,policies should be differentiated by region to narrow the spatial gap in digital financial inclusion. The results provide a reference for other developing countries on using digital technology to develop financial inclusion.展开更多
Digital financial inclusion(DFI)has the advantage of promoting information sharing,reducing transaction costs,and providing microloan platforms for small and medium-sized enterprises.It has also made outstanding contr...Digital financial inclusion(DFI)has the advantage of promoting information sharing,reducing transaction costs,and providing microloan platforms for small and medium-sized enterprises.It has also made outstanding contributions to decreasing CO_(2)emissions.However,the volatility correlation between DFI and CO_(2)emissions is still relatively unexplored.This research uses the spatial autoregressive process with conditional heteroscedastic errors(SARspARCH)model to evaluate the spatial fluctuation spillover impacts of DFI on CO_(2)emissions in 284 Chinese cities covering the period 2011-2016 following the IPAT model.The results indicate that CO_(2)emissions have significant spatial spillover and volatility effects.The fitted value of SARspARCH estimation results is more realistic than the SAR and spARCH model.DFI alleviates average CO_(2)emissions in Chinese cities.Moreover,spatial volatility weakens the negative influence of DFI on average carbon emissions.This study provides insights from which governments can strengthen inter-regional communication and synergistic emission-reduction capabilities,and promote the digitization of the financial sector to achieve carbon neutrality goals.展开更多
This study examines the effects of digital financial inclusion on non-farm employment of rural labor and the mediating mechanism of innovation and entrepreneurship activity using China Family Panel Studies(CFPS)and th...This study examines the effects of digital financial inclusion on non-farm employment of rural labor and the mediating mechanism of innovation and entrepreneurship activity using China Family Panel Studies(CFPS)and the provincial index of digital financial inclusion.Through the empirical test of the Probit model and mediation effect model,we found that:firstly,digital financial inclusion can promote non-farm employment of rural labor,with the level of digitalization having the most significant impact;secondly,by encouraging innovation and entrepreneurial activity,digital financial inclusion can promote non-farm employment of rural labor;thirdly,the driving effect of digital financial inclusion on non-farm employment of rural labor is more pronounced among the unmarried,eastern region,and male labor.Therefore,we should improve the construction of rural digital infrastructure and accelerate the development of inclusive rural finance to promote more diversified non-farm employment options for“disadvantaged groups”;encourage and support innovation at the government level,and create a favorable atmosphere for innovation and entrepreneurship.Simultaneously,farmers’digital literacy and financial knowledge should be improved so that more can adopt and take advantage of digital financial inclusion.展开更多
This study explores the development trajectory of digital financial inclusion in 21 cities in Guangdong Province through fuzzy-set qualitative comparative analysis(fsQCA).The findings emphasize that the success of dig...This study explores the development trajectory of digital financial inclusion in 21 cities in Guangdong Province through fuzzy-set qualitative comparative analysis(fsQCA).The findings emphasize that the success of digital financial inclusion goes beyond individual dimensions,forming a systematic initiative marked by multifaceted interaction among different disciplines.In the trajectory of high-level digital inclusive finance development,the study identifies economic prosperity and technological innovation as crucial elements,highlighting their centrality,and elucidates the synergistic collaboration between market mechanisms and government guidance.Furthermore,the study emphasizes the government’s pivotal role in supporting market mechanisms and guiding policies,highlighting the need to achieve a nuanced equilibrium in the digital financial inclusion strategy.In contrast,non-high-level development paths of digital inclusive finance show a spectrum of diversities,emphasizing the critical roles played by economic fundamentals,government regulation,market mechanisms,and other contextual factors in different trajectories.Regarding policy implications,the study emphasizes the comprehensive and systemic nature inherent in the development of digital inclusive finance.It proposes four policy recommendations,including integrating development strategies,emphasizing scientific and technological innovation and economic development,achieving a delicate balance between market mechanisms and government guidance,and providing precise policy support.These insights provide valuable lessons for shaping digital inclusive financial policies in Guangdong Province and beyond,offering profound insights for strategically constructing robust digital financial ecosystems.展开更多
Utilizing data from 5,481 village-level service stations(VS)in Baoding,China,this study empirically investigates the impact of digital inclusive finance(DIF)and VS infrastructure on rural e-commerce(RE)development.Res...Utilizing data from 5,481 village-level service stations(VS)in Baoding,China,this study empirically investigates the impact of digital inclusive finance(DIF)and VS infrastructure on rural e-commerce(RE)development.Results demonstrate that DIF significantly promotes RE by reducing transaction and financing costs(β=0.783,P<0.01).VS as physical infrastructure significantly drives RE growth(β=0.654,P<0.01).Crucially,DIF and VS exhibit synergistic effects(interactionβ=0.421,P<0.01),producing a“1+1>2”enhancement.Regional economic development,population density,and education levels positively influence RE.Current challenges include financial misallocation,infrastructure deficits,and skill gaps.We propose a“One Core,Three Wings”framework—Core:Develop tailored financial products for specialty industries(luggage,textiles,mushrooms);Wings:(1)Upgrade digital infrastructure,(2)Optimize policy synergy,(3)Enhance inclusive capacity through elderly-friendly technologies and training.Implementation strategies include establishing risk-sharing mechanisms,expanding VS functionality,and creating DIF-RE-VS alliances to foster sustainable rural revitalization.展开更多
This article focuses on how digital inclusive finance empowers the development of Liaoning’s marine economy.The research shows that while digital inclusive finance in Liaoning Province has grown rapidly in recent yea...This article focuses on how digital inclusive finance empowers the development of Liaoning’s marine economy.The research shows that while digital inclusive finance in Liaoning Province has grown rapidly in recent years,it still faces shortcomings in usage depth and coverage breadth.At present,digital inclusive finance has a significant empowering effect on Liaoning’s marine economy,but challenges remain,including insufficient coverage and limited application of infrastructure,imperfect data governance and risk control systems for the marine economy,and a mismatch between digital financial products and the needs of the marine industry.To address these issues,the article proposes optimized pathways for digital inclusive finance to support Liaoning’s marine economy:improving digital financial infrastructure to enhance service accessibility and efficiency;strengthening marine economic data governance to build an intelligent risk control system;innovating digital financial products to better align with industrial demands.展开更多
Under the socialist market economic system of our country,the government,through the“invisible hand,”carries on macro regulation and control to improve the financing constraints that small and medium-sized enterpris...Under the socialist market economic system of our country,the government,through the“invisible hand,”carries on macro regulation and control to improve the financing constraints that small and medium-sized enterprises are facing.But because of the huge base number of small and medium-sized enterprises in our country,there are many kinds,and the problem of financing constraints is still puzzling the development of enterprises at present.With the continuous promotion of inclusive finance in our country,the problems plaguing SMEs in the last mile of financing are gradually improved.In this context,small and medium-sized enterprises in Hainan Free Trade Port are taken as the research object to study the role of digital inclusive finance on the financing constraints of SMEs.The research shows that,first of all,small and medium-sized enterprises in Hainan Free Trade Port generally have financing problems.The development of digital inclusive finance solves the“last kilometer”problem of traditional finance,enhances financial access ability,broadens the financial service group,provides convenience and diversified services for SMEs'financing,and provides inexhaustible impetus for the long-term healthy development of SMEs.Secondly,digital inclusive finance alleviates the financing difficulties faced by SMEs on the island by reducing financial costs and expanding the scale of credit.展开更多
Digital financial inclusion provides financial services through digital platforms,aiming to improve the ability of MSMEs and low-income groups to access financial resources,thereby easing their financing constraints a...Digital financial inclusion provides financial services through digital platforms,aiming to improve the ability of MSMEs and low-income groups to access financial resources,thereby easing their financing constraints and promoting economic growth and inclusive development.As an innovative financial model,digital financial inclusion utilizes modern technological means to significantly improve the accessibility and convenience of financial services,especially in areas where traditional banking services are under-covered.Digital finance has promoted the popularization of financial services such as micro-credit,micro-savings,and micro-insurance,and helped improve the financing environment of low-income groups and small and micro enterprises.At the same time,digital financial inclusion promotes financial literacy education and digital inclusion construction,and enhances the acceptance and use of digital financial instruments by the general public,which is the key to achieving sustainable development of digital financial inclusion.Therefore,digital financial inclusion can better ease the financing constraints of small and medium-sized enterprises and promote economic development.展开更多
With the establishment of Hainan Free Trade Port,the small and medium-sized enterprises in Hainan Free Trade Port have developed and grown in the continuously optimized enterprise environment.The continuous establishm...With the establishment of Hainan Free Trade Port,the small and medium-sized enterprises in Hainan Free Trade Port have developed and grown in the continuously optimized enterprise environment.The continuous establishment of a large number of small and micro enterprises makes its social and economic development play a non-negligible role.However,due to the small size and insufficient economic strength of small and micro enterprises,their status in the financial system is often very humble.Therefore,under normal circumstances,small and micro enterprises are faced with financing difficulties and high costs,which has a great side effect on their development.The proposal and continuous development of digital inclusive finance,so that small and micro enterprises in access to a wide range of financing opportunities at the same time,their financing methods are more convenient than in the past,the cost is getting lower and lower.This paper deeply discusses the role of digital inclusive finance in easing the financing constraints of small and micro enterprises and puts forward corresponding suggestions[1].展开更多
Anhui Province is a major agricultural province in eastern China,and the development of rural economy plays an important role in improving the overall economic level of the province.In recent years,the extensive use o...Anhui Province is a major agricultural province in eastern China,and the development of rural economy plays an important role in improving the overall economic level of the province.In recent years,the extensive use of digital technologies and ongoing financial innovations have contributed to the rapid growth of digital inclusive finance in rural areas of Anhui,significantly reducing the lack of financial services in these regions.The main objective of this paper is to explore in depth how digital inclusive finance impacts the rural economy of Anhui Province and to provide practical policy recommendations based on these findings.展开更多
The rapid development of digital financial inclusion is profoundly changing the financing environment for small and medium-sized enterprises(SMEs).As an important driver of economic growth and innovation,SMEs account ...The rapid development of digital financial inclusion is profoundly changing the financing environment for small and medium-sized enterprises(SMEs).As an important driver of economic growth and innovation,SMEs account for a significant share of employment and GDP globally.However,the traditional bank credit model has long failed to effectively meet the financing needs of SMEs due to issues such as information asymmetry,high cost,and difficulty in risk assessment,resulting in serious financing constraints.Digital financial inclusion,through technological innovation and big data analysis,has significantly reduced credit costs,alleviated information asymmetry,and provided SMEs with more flexible and efficient financing channels.Research shows that digital financial inclusion can not only ease the financing constraints of SMEs,but also promote their innovation and growth,providing important support for building a more inclusive and sustainable financial ecosystem.展开更多
Mobile and Internet network coverage plays an important role in digital transformation and the exploitation of new services. The evolution of mobile networks from the first generation (1G) to the 5th generation is sti...Mobile and Internet network coverage plays an important role in digital transformation and the exploitation of new services. The evolution of mobile networks from the first generation (1G) to the 5th generation is still a long process. 2G networks have developed the messaging service, which complements the already operational voice service. 2G technology has rapidly progressed to the third generation (3G), incorporating multimedia data transmission techniques. It then progressed to fourth generation (4G) and LTE (Long Term Evolution), increasing the transmission speed to improve 3G. Currently, developed countries have already moved to 5G. In developing countries, including Burundi, a member of the East African Community (ECA) where more than 80% are connected to 2G technologies, 40% are connected to the 3G network and 25% to the 4G network and are not yet connected to the 5G network and then still a process. The objective of this article is to analyze the coverage of 2G, 3G and 4G networks in Burundi. This analysis will make it possible to identify possible deficits in order to reduce the digital divide between connected urban areas and remote rural areas. Furthermore, this analysis will draw the attention of decision-makers to the need to deploy networks and coverage to allow the population to access mobile and Internet services and thus enable the digitalization of the population. Finally, this article shows the level of coverage, the digital divide and an overview of the deployment of base stations (BTS) throughout the country to promote the transformation and digital inclusion of services.展开更多
This proposal is focused on the first outputs of the doctoral thesis“Universitabile”based,specifically,on the relationship between educational inclusion(Ainscow&Miles,2009)and ICT(Information and Communications ...This proposal is focused on the first outputs of the doctoral thesis“Universitabile”based,specifically,on the relationship between educational inclusion(Ainscow&Miles,2009)and ICT(Information and Communications Technology).Starting from a review of the literature on the role of universities as places of inclusion and confrontation with diversity(Bolt&Penketh,2016;Moriña&Gavira,2015),the proposal analyses the inclusion strategies by three main universities in Rome:La Sapienza,Tor Vergata and Roma Tre through a mixed method approach.We will show the answers to interviews administered to operators of dedicated services.In this context,ICT,during the Covid-19 emergency,acted as a facilitator allowing people with disabilities to benefit from distance learning,but also as a barrier,since the evidence shows that technology,if conceived as a facilitator but designed only on the basis of the characteristics of able-bodied users,can represent an obstacle factor.In this sense,as found by Tsatsou(2020),the inclusion of people with disabilities can be facilitated by the use of digital technologies.This view is also found in Valentini(2008),who emphasises how the use of digital technologies is a prerequisite for the development of concrete solutions.To conclude,it would be appropriate to rethink technology on the basis of Universal Design,i.e.“an approach to the design of technologies that pays more attention to the concept of universal usability:buildings and tools should be conceived,designed and constructed in a way to be usable by all”(Fiocco&Martinati,2002,p.232).展开更多
Based on the panel data of 30 provinces, municipalities, and autonomous regions in China from 2011 to 2018, this paper uses the digital inclusive financial index and industrial structure upgrading coefficient of the I...Based on the panel data of 30 provinces, municipalities, and autonomous regions in China from 2011 to 2018, this paper uses the digital inclusive financial index and industrial structure upgrading coefficient of the Internet Research Center of Peking University as the core explanatory and explained variables to construct a spatial panel. Bin model performs </span><span style="font-family:Verdana;">regression</span><span style="font-family:Verdana;"> analysis on the effect of digital inclusive finance in the upgrading of industrial structure. The results prove that the development of digital inclusive finance in this province and city has significantly promoted the upgrading of the regional industrial structure, and it has a positive overall effect on the upgrading of industrial structure.展开更多
This paper selects China's provincial panel data from 2011 to 2020,uses the entropy method to calculate the high-quality development index of the private economy,and studies the spatial impact of digital inclusive...This paper selects China's provincial panel data from 2011 to 2020,uses the entropy method to calculate the high-quality development index of the private economy,and studies the spatial impact of digital inclusive finance on the high-quality development of the private economy based on the SDM model.The results show that:digital inclusive finance development has a positive effect on the high-quality development of the private economy in various provinces and cities,while it has a negative inhibitory effect on the high-quality development of the private economy in neighboring provinces and cities.In terms of spatial heterogeneity,digital inclusive finance in North China,East China,and Central and South China has a significant role in promoting the high-quality development of the private economy.The effect of North China,East China,and Central South is decreasing in order,while digital inclusive finance in Northwest China has a significant effect on the private economy.High-quality development has a negative effect.This paper provides empirical evidence and policy directions for the high-quality development of private enterprises in the context of the digital economy in the new era.展开更多
By studying high-quality development process of Henan agriculture and rural areas empowered by digital inclusive finance,it is found that the construction of digital financial infrastructure in Henan Province is relat...By studying high-quality development process of Henan agriculture and rural areas empowered by digital inclusive finance,it is found that the construction of digital financial infrastructure in Henan Province is relatively complete,and the level of deposit and loan of rural enterprises and farmers is constantly improving,and the market and government are constantly upgrading the financial risk insurance compensation mechanism.At the same time,there are also problems such as insufficient demand and supply of digital finance,single digital financial products,and weak market supervision.Based on this,some implementation paths are proposed,such as continuing to strengthen the construction of rural financial infrastructure in Henan Province,improving farmers’financial literacy,and enriching digital financial products and services.The government should continue to improve the construction of market system,and broaden the market supervision and management,to actively promote the digitalization of agricultural finance to enable the high-quality development of agriculture and rural areas in Henan Province.展开更多
In China,the integration of digital technology and finance has gradually formed a digital supply mode of inclusive finance,which alleviates the financing limitations of small and medium-sized businesses to a certain e...In China,the integration of digital technology and finance has gradually formed a digital supply mode of inclusive finance,which alleviates the financing limitations of small and medium-sized businesses to a certain extent and is significant for enterprise innovation activities that need financial support.Under the National Innovation-driven Development Strategy,it is particularly meaningful to evaluate whether digital inclusive finance can foster company innovation.This article empirically evaluates the impact of digital inclusive finance on firm innovation and development using data from all listed companies on the Shanghai Stock Exchange and Shenzhen Stock Exchange from 2011 to 2018 together with the city level digital inclusive finance index.The result shows how digital inclusive financing may support businesses’innovative processes,and its role in promoting innovation differs among enterprises of different scales,but such heterogeneity effect can be absorbed by industry effect and time effect.The result of this paper sheds lights on the role of digital inclusive finance in improving enterprise performance by solving the financing dilemma of them,and according to the empirical results,this paper suggests that the support for digital inclusive finance should be further improved in order to promote the good and healthy development of the real economy,which refers to the part of a country’s economy that produces goods and services,rather than the part that consists of financial services such as banks and stock markets.展开更多
基金the National Social Science Fund Major Project“Research on the Coordination of Norms in Contemporary Chinese National Governance”(Project Approval Number 19ZDA155).
文摘In the digital era,the protection of human rights inevitably integrates digital technology and presents distinctive relevant characteristics.Therefore,the concept of digital inclusion should be introduced.However,the protection of human rights in the digital age still faces four significant challenges,namely,limitations in hardware systems with unrealized access rights,lack of digital competency with widening digital divide,low degree of empowerment and inefficiency in digital utilization,as well as frequent digital infringements and compromised digital rights.To address these challenges,it is essential to ensure barrier-free access to information technology to strengthen the foundation of human rights protection,promote the extensive participation of social entities to expand the scope of human rights protection,provide inclusive services for diverse groups to deepen the content of human rights protection,eliminate the digital divide to promote equal realization of human rights protection,and enhance citizens’digital literacy and capabilities to improve the efficacy of digital protection of human rights.Under the framework of digital inclusion,the specific measures to achieve the digital protection of human rights are led by the value orientation and practical needs of the rights to subsistence and development,aiming to advance the universal protection,differential protection,and enhanced protection of human rights through digital inclusion.
基金The authors acknowledge the receipt of funding from the Norwegian Ministry of Foreign Affairs,under grant agreement CHN-19/004the European Union’s Horizon 2020 research and innovation program under grant agreement No.870698.
文摘This article reviews social regulatory and redistributive policies in China that aim at fostering digital inclusion of persons with disabilities.We examine the emerging Chinese policies and how China has responded to the impacts of the coronavirus disease(COVID-19)on digital inclusion in terms of redistribution,market regulation,involvement of persons with disabilities and disabled people’s organizations(DPOs),and awareness-raising campaigns.The policy review demonstrates that the Chinese policy framework contains a few redistributive initiatives,for example,cash transfer programs,and free distribution of information and communications technology(ICT).These have the potential to increase the uptake of ICT among persons with disabilities.The Chinese policy framework also includes provisions to ensure consultation with individual persons with disabilities and DPOs in the deliberation and implementation of ICT accessibility policies.While China has initiated awareness-raising campaigns among market actors about the importance of digital inclusion,so far,the Chinese government has adopted little legal regulation of the market to foster accessibility to ICT.The article thus argues that some of the limitations may be due to the way state–market relations have developed since the economy opened up in 1978.Apart from the growing benefits of several cash transfer programs,we have not seen major changes or adjustments to the current policy framework during the efforts to mitigate the impact of COVID-19 on digital inclusion.
文摘Adapting systems and technology for an aging population has benefits for older people,the consumer market industry itself and all of society.To promote knowledge sharing on innovations for healthy ageing and digital inclusion of older people in the Western Pacific Region,a hybrid conference on“Digital inclusion of older peo-ple:harnessing digital technologies to promote healthy ageing in the Western Pacific Region”was held on 23 June 2021 by China Academy of Information and Communications Technology,a WHO Collaborating Centre for Digital Health.Barriers from demand side include:(1)unaffordability;(2)poor Information and Communication technology(ICT)knowledge and skills for navigation;and(3)low self-efficacy and motivation.Supply barriers include:(1)youth-centred design;(2)ageism;and(3)anti-facilitative environment including infrastructure and age-biased technology.Existing practices to overcome digital inclusion barriers were shared:(1)landmark ini-tiatives related to the health and social welfare;(2)laws and policies to improve aged care services,strengthen social services,enrich spiritual and cultural life for older people;(3)ICT infrastructure and residential care facil-ities based on the philosophy of family care and supported by community care;(4)affordable digital application and adaptive feature design to better enable and motivate their desire to use digital technology;and(5)com-munity activities such as trainings and tutorials to enhance digital capacity and literacy of older people.Main principles highlighted include market motivation,human-centered design,creating enabling environments,and multi-stakeholder collaborations to provide guidance to customize strategy under context of different regions and countries,instead of a one-size-fits-all solution,to avoid the risk of exacerbating inequalities experienced by older people,caused by accelerated ICT innovation,and advocate for more affordable products in the silver market.
基金Under the auspices of National Natural Science Foundation of China (No.42171188)Natural Science Foundation of Guangdong Province (No.2022A1515010992)。
文摘The vigorous development of information and communications technology has accelerated reshaping of the financial industry. The COVID-19 pandemic has further catalyzed the demand for digital financial services. Digital financial inclusion relies on information technology to overcome spatial limitations. In this case, the research question is whether it adheres to the spatial laws governing conventional financial activities. This study uses exploratory spatial data analysis and a geographical detector to elucidate the spatiotemporal characteristics and factors influencing digital financial inclusion at the county level in China(Data don’t include that of Hong Kong, Macao and Taiwan of China) from 2014 to 2020. The research findings indicate: first, China’s county-level digital financial inclusion is generally increasing and exhibits significant spatial autocorrelation. Second, population density, level of traditional financial development, government regulation, and education level are key determinants of China’s county-level digital financial inclusion. Third,policies should be differentiated by region to narrow the spatial gap in digital financial inclusion. The results provide a reference for other developing countries on using digital technology to develop financial inclusion.
基金supported by the National Social Science Foundation of China(Grant No.20VGQ003)the Natural Science Fund of Hunan Province(2022JJ40647).
文摘Digital financial inclusion(DFI)has the advantage of promoting information sharing,reducing transaction costs,and providing microloan platforms for small and medium-sized enterprises.It has also made outstanding contributions to decreasing CO_(2)emissions.However,the volatility correlation between DFI and CO_(2)emissions is still relatively unexplored.This research uses the spatial autoregressive process with conditional heteroscedastic errors(SARspARCH)model to evaluate the spatial fluctuation spillover impacts of DFI on CO_(2)emissions in 284 Chinese cities covering the period 2011-2016 following the IPAT model.The results indicate that CO_(2)emissions have significant spatial spillover and volatility effects.The fitted value of SARspARCH estimation results is more realistic than the SAR and spARCH model.DFI alleviates average CO_(2)emissions in Chinese cities.Moreover,spatial volatility weakens the negative influence of DFI on average carbon emissions.This study provides insights from which governments can strengthen inter-regional communication and synergistic emission-reduction capabilities,and promote the digitization of the financial sector to achieve carbon neutrality goals.
基金Ministry of Education Humanities and Social Science Foundation Youth Project“Micro-Quantification,Action Mechanism and Impact Research on Financialization of Entity Enterprises”[Grant number.19YJC790106]National Social Science Fund“Mechanism Analysis and Optimization Path Research of Digital Finance Supporting the Improvement of development efficiency of SMEs”[Grant number.21BJY047]+1 种基金Science and Technology Research Program of Chongqing Municipal Education Commission of China:“Research on the Mechanism and Path of Green Finance to Promote Poverty Alleviation in Poor areas in Western China”[Grant number.KJQN201900550]Science and Technology Research Program of Chongqing Municipal Education Commission of China:“Research on Financial Efficiency and High-quality Innovation Development from the Perspective of the Innovation Value Chain”[Grant number.KJQN202000540].
文摘This study examines the effects of digital financial inclusion on non-farm employment of rural labor and the mediating mechanism of innovation and entrepreneurship activity using China Family Panel Studies(CFPS)and the provincial index of digital financial inclusion.Through the empirical test of the Probit model and mediation effect model,we found that:firstly,digital financial inclusion can promote non-farm employment of rural labor,with the level of digitalization having the most significant impact;secondly,by encouraging innovation and entrepreneurial activity,digital financial inclusion can promote non-farm employment of rural labor;thirdly,the driving effect of digital financial inclusion on non-farm employment of rural labor is more pronounced among the unmarried,eastern region,and male labor.Therefore,we should improve the construction of rural digital infrastructure and accelerate the development of inclusive rural finance to promote more diversified non-farm employment options for“disadvantaged groups”;encourage and support innovation at the government level,and create a favorable atmosphere for innovation and entrepreneurship.Simultaneously,farmers’digital literacy and financial knowledge should be improved so that more can adopt and take advantage of digital financial inclusion.
基金2023 Guangdong Provincial Education Science Planning Project(Higher Education Special Project)“Empirical Study on the Spatial Optimization of the Relationship between Human Capital and Industrial Structure in Guangdong Province under the Support of Higher Education Services”(No.2023GXJK144)。
文摘This study explores the development trajectory of digital financial inclusion in 21 cities in Guangdong Province through fuzzy-set qualitative comparative analysis(fsQCA).The findings emphasize that the success of digital financial inclusion goes beyond individual dimensions,forming a systematic initiative marked by multifaceted interaction among different disciplines.In the trajectory of high-level digital inclusive finance development,the study identifies economic prosperity and technological innovation as crucial elements,highlighting their centrality,and elucidates the synergistic collaboration between market mechanisms and government guidance.Furthermore,the study emphasizes the government’s pivotal role in supporting market mechanisms and guiding policies,highlighting the need to achieve a nuanced equilibrium in the digital financial inclusion strategy.In contrast,non-high-level development paths of digital inclusive finance show a spectrum of diversities,emphasizing the critical roles played by economic fundamentals,government regulation,market mechanisms,and other contextual factors in different trajectories.Regarding policy implications,the study emphasizes the comprehensive and systemic nature inherent in the development of digital inclusive finance.It proposes four policy recommendations,including integrating development strategies,emphasizing scientific and technological innovation and economic development,achieving a delicate balance between market mechanisms and government guidance,and providing precise policy support.These insights provide valuable lessons for shaping digital inclusive financial policies in Guangdong Province and beyond,offering profound insights for strategically constructing robust digital financial ecosystems.
文摘Utilizing data from 5,481 village-level service stations(VS)in Baoding,China,this study empirically investigates the impact of digital inclusive finance(DIF)and VS infrastructure on rural e-commerce(RE)development.Results demonstrate that DIF significantly promotes RE by reducing transaction and financing costs(β=0.783,P<0.01).VS as physical infrastructure significantly drives RE growth(β=0.654,P<0.01).Crucially,DIF and VS exhibit synergistic effects(interactionβ=0.421,P<0.01),producing a“1+1>2”enhancement.Regional economic development,population density,and education levels positively influence RE.Current challenges include financial misallocation,infrastructure deficits,and skill gaps.We propose a“One Core,Three Wings”framework—Core:Develop tailored financial products for specialty industries(luggage,textiles,mushrooms);Wings:(1)Upgrade digital infrastructure,(2)Optimize policy synergy,(3)Enhance inclusive capacity through elderly-friendly technologies and training.Implementation strategies include establishing risk-sharing mechanisms,expanding VS functionality,and creating DIF-RE-VS alliances to foster sustainable rural revitalization.
文摘This article focuses on how digital inclusive finance empowers the development of Liaoning’s marine economy.The research shows that while digital inclusive finance in Liaoning Province has grown rapidly in recent years,it still faces shortcomings in usage depth and coverage breadth.At present,digital inclusive finance has a significant empowering effect on Liaoning’s marine economy,but challenges remain,including insufficient coverage and limited application of infrastructure,imperfect data governance and risk control systems for the marine economy,and a mismatch between digital financial products and the needs of the marine industry.To address these issues,the article proposes optimized pathways for digital inclusive finance to support Liaoning’s marine economy:improving digital financial infrastructure to enhance service accessibility and efficiency;strengthening marine economic data governance to build an intelligent risk control system;innovating digital financial products to better align with industrial demands.
文摘Under the socialist market economic system of our country,the government,through the“invisible hand,”carries on macro regulation and control to improve the financing constraints that small and medium-sized enterprises are facing.But because of the huge base number of small and medium-sized enterprises in our country,there are many kinds,and the problem of financing constraints is still puzzling the development of enterprises at present.With the continuous promotion of inclusive finance in our country,the problems plaguing SMEs in the last mile of financing are gradually improved.In this context,small and medium-sized enterprises in Hainan Free Trade Port are taken as the research object to study the role of digital inclusive finance on the financing constraints of SMEs.The research shows that,first of all,small and medium-sized enterprises in Hainan Free Trade Port generally have financing problems.The development of digital inclusive finance solves the“last kilometer”problem of traditional finance,enhances financial access ability,broadens the financial service group,provides convenience and diversified services for SMEs'financing,and provides inexhaustible impetus for the long-term healthy development of SMEs.Secondly,digital inclusive finance alleviates the financing difficulties faced by SMEs on the island by reducing financial costs and expanding the scale of credit.
文摘Digital financial inclusion provides financial services through digital platforms,aiming to improve the ability of MSMEs and low-income groups to access financial resources,thereby easing their financing constraints and promoting economic growth and inclusive development.As an innovative financial model,digital financial inclusion utilizes modern technological means to significantly improve the accessibility and convenience of financial services,especially in areas where traditional banking services are under-covered.Digital finance has promoted the popularization of financial services such as micro-credit,micro-savings,and micro-insurance,and helped improve the financing environment of low-income groups and small and micro enterprises.At the same time,digital financial inclusion promotes financial literacy education and digital inclusion construction,and enhances the acceptance and use of digital financial instruments by the general public,which is the key to achieving sustainable development of digital financial inclusion.Therefore,digital financial inclusion can better ease the financing constraints of small and medium-sized enterprises and promote economic development.
文摘With the establishment of Hainan Free Trade Port,the small and medium-sized enterprises in Hainan Free Trade Port have developed and grown in the continuously optimized enterprise environment.The continuous establishment of a large number of small and micro enterprises makes its social and economic development play a non-negligible role.However,due to the small size and insufficient economic strength of small and micro enterprises,their status in the financial system is often very humble.Therefore,under normal circumstances,small and micro enterprises are faced with financing difficulties and high costs,which has a great side effect on their development.The proposal and continuous development of digital inclusive finance,so that small and micro enterprises in access to a wide range of financing opportunities at the same time,their financing methods are more convenient than in the past,the cost is getting lower and lower.This paper deeply discusses the role of digital inclusive finance in easing the financing constraints of small and micro enterprises and puts forward corresponding suggestions[1].
文摘Anhui Province is a major agricultural province in eastern China,and the development of rural economy plays an important role in improving the overall economic level of the province.In recent years,the extensive use of digital technologies and ongoing financial innovations have contributed to the rapid growth of digital inclusive finance in rural areas of Anhui,significantly reducing the lack of financial services in these regions.The main objective of this paper is to explore in depth how digital inclusive finance impacts the rural economy of Anhui Province and to provide practical policy recommendations based on these findings.
文摘The rapid development of digital financial inclusion is profoundly changing the financing environment for small and medium-sized enterprises(SMEs).As an important driver of economic growth and innovation,SMEs account for a significant share of employment and GDP globally.However,the traditional bank credit model has long failed to effectively meet the financing needs of SMEs due to issues such as information asymmetry,high cost,and difficulty in risk assessment,resulting in serious financing constraints.Digital financial inclusion,through technological innovation and big data analysis,has significantly reduced credit costs,alleviated information asymmetry,and provided SMEs with more flexible and efficient financing channels.Research shows that digital financial inclusion can not only ease the financing constraints of SMEs,but also promote their innovation and growth,providing important support for building a more inclusive and sustainable financial ecosystem.
文摘Mobile and Internet network coverage plays an important role in digital transformation and the exploitation of new services. The evolution of mobile networks from the first generation (1G) to the 5th generation is still a long process. 2G networks have developed the messaging service, which complements the already operational voice service. 2G technology has rapidly progressed to the third generation (3G), incorporating multimedia data transmission techniques. It then progressed to fourth generation (4G) and LTE (Long Term Evolution), increasing the transmission speed to improve 3G. Currently, developed countries have already moved to 5G. In developing countries, including Burundi, a member of the East African Community (ECA) where more than 80% are connected to 2G technologies, 40% are connected to the 3G network and 25% to the 4G network and are not yet connected to the 5G network and then still a process. The objective of this article is to analyze the coverage of 2G, 3G and 4G networks in Burundi. This analysis will make it possible to identify possible deficits in order to reduce the digital divide between connected urban areas and remote rural areas. Furthermore, this analysis will draw the attention of decision-makers to the need to deploy networks and coverage to allow the population to access mobile and Internet services and thus enable the digitalization of the population. Finally, this article shows the level of coverage, the digital divide and an overview of the deployment of base stations (BTS) throughout the country to promote the transformation and digital inclusion of services.
文摘This proposal is focused on the first outputs of the doctoral thesis“Universitabile”based,specifically,on the relationship between educational inclusion(Ainscow&Miles,2009)and ICT(Information and Communications Technology).Starting from a review of the literature on the role of universities as places of inclusion and confrontation with diversity(Bolt&Penketh,2016;Moriña&Gavira,2015),the proposal analyses the inclusion strategies by three main universities in Rome:La Sapienza,Tor Vergata and Roma Tre through a mixed method approach.We will show the answers to interviews administered to operators of dedicated services.In this context,ICT,during the Covid-19 emergency,acted as a facilitator allowing people with disabilities to benefit from distance learning,but also as a barrier,since the evidence shows that technology,if conceived as a facilitator but designed only on the basis of the characteristics of able-bodied users,can represent an obstacle factor.In this sense,as found by Tsatsou(2020),the inclusion of people with disabilities can be facilitated by the use of digital technologies.This view is also found in Valentini(2008),who emphasises how the use of digital technologies is a prerequisite for the development of concrete solutions.To conclude,it would be appropriate to rethink technology on the basis of Universal Design,i.e.“an approach to the design of technologies that pays more attention to the concept of universal usability:buildings and tools should be conceived,designed and constructed in a way to be usable by all”(Fiocco&Martinati,2002,p.232).
文摘Based on the panel data of 30 provinces, municipalities, and autonomous regions in China from 2011 to 2018, this paper uses the digital inclusive financial index and industrial structure upgrading coefficient of the Internet Research Center of Peking University as the core explanatory and explained variables to construct a spatial panel. Bin model performs </span><span style="font-family:Verdana;">regression</span><span style="font-family:Verdana;"> analysis on the effect of digital inclusive finance in the upgrading of industrial structure. The results prove that the development of digital inclusive finance in this province and city has significantly promoted the upgrading of the regional industrial structure, and it has a positive overall effect on the upgrading of industrial structure.
文摘This paper selects China's provincial panel data from 2011 to 2020,uses the entropy method to calculate the high-quality development index of the private economy,and studies the spatial impact of digital inclusive finance on the high-quality development of the private economy based on the SDM model.The results show that:digital inclusive finance development has a positive effect on the high-quality development of the private economy in various provinces and cities,while it has a negative inhibitory effect on the high-quality development of the private economy in neighboring provinces and cities.In terms of spatial heterogeneity,digital inclusive finance in North China,East China,and Central and South China has a significant role in promoting the high-quality development of the private economy.The effect of North China,East China,and Central South is decreasing in order,while digital inclusive finance in Northwest China has a significant effect on the private economy.High-quality development has a negative effect.This paper provides empirical evidence and policy directions for the high-quality development of private enterprises in the context of the digital economy in the new era.
文摘By studying high-quality development process of Henan agriculture and rural areas empowered by digital inclusive finance,it is found that the construction of digital financial infrastructure in Henan Province is relatively complete,and the level of deposit and loan of rural enterprises and farmers is constantly improving,and the market and government are constantly upgrading the financial risk insurance compensation mechanism.At the same time,there are also problems such as insufficient demand and supply of digital finance,single digital financial products,and weak market supervision.Based on this,some implementation paths are proposed,such as continuing to strengthen the construction of rural financial infrastructure in Henan Province,improving farmers’financial literacy,and enriching digital financial products and services.The government should continue to improve the construction of market system,and broaden the market supervision and management,to actively promote the digitalization of agricultural finance to enable the high-quality development of agriculture and rural areas in Henan Province.
文摘In China,the integration of digital technology and finance has gradually formed a digital supply mode of inclusive finance,which alleviates the financing limitations of small and medium-sized businesses to a certain extent and is significant for enterprise innovation activities that need financial support.Under the National Innovation-driven Development Strategy,it is particularly meaningful to evaluate whether digital inclusive finance can foster company innovation.This article empirically evaluates the impact of digital inclusive finance on firm innovation and development using data from all listed companies on the Shanghai Stock Exchange and Shenzhen Stock Exchange from 2011 to 2018 together with the city level digital inclusive finance index.The result shows how digital inclusive financing may support businesses’innovative processes,and its role in promoting innovation differs among enterprises of different scales,but such heterogeneity effect can be absorbed by industry effect and time effect.The result of this paper sheds lights on the role of digital inclusive finance in improving enterprise performance by solving the financing dilemma of them,and according to the empirical results,this paper suggests that the support for digital inclusive finance should be further improved in order to promote the good and healthy development of the real economy,which refers to the part of a country’s economy that produces goods and services,rather than the part that consists of financial services such as banks and stock markets.
