Digital inclusive financial and household fertility:Discoveries based on dual machine learning algorithm

doi:10.1016/j.iref.2024.103747

	Digital inclusive financial and household fertility:Discoveries based on dual machine learning algorithm
	Xie, Yan1,2 ; Guo, Jingjun1,2 ; Ma, Xiaowen 1
	2025-01
在线发表日期	2024-12
发表期刊	INTERNATIONAL REVIEW OF ECONOMICS & FINANCE
卷号	97
摘要	The continuous decline in fertility rates and the postponement of childbirth represent significant social issues in China. Utilizing data from the China Household Finance Survey (CHFS) spanning 2013 to 2019, this paper employs a dual machine learning algorithm (DML) to estimate the causal effects of digital inclusive finance (DIF) on family size and the age at first childbirth, while also exploring the underlying mechanisms. The findings indicate that DIF has a modest positive impact on the household fertility rate and a notable negative effect on the age at first childbirth. Specifically, DIF has contributed to a slight increase in the number of births by reducing the opportunity cost of childbirth for households and has significantly lowered the age of first childbirth by mitigating income fluctuations. Given its positive effects, DIF should be actively promoted.
关键词	Digital inclusive finance Family fertility Dual machine learning Income fluctuations Opportunity costs
DOI	10.1016/j.iref.2024.103747
收录类别	SSCI
ISSN	1059-0560
语种	英语
WOS研究方向	Business & Economics
WOS类目	Business, Finance ; Economics
WOS记录号	WOS:001407977600001
出版者	ELSEVIER
原始文献类型	Article
EISSN	1873-8036
引用统计	被引频次：2[WOS] [WOS记录] [WOS相关记录]
文献类型	期刊论文
条目标识符	http://ir.lzufe.edu.cn/handle/39EH0E1M/38748
专题	统计与数据科学学院
通讯作者	Xie, Yan
作者单位	1.Lanzhou Univ Finance & Econ, Sch Stat & Data Sci, Lanzhou 730020, Gansu, Peoples R China; 2.Lanzhou Univ Finance & Econ, Sch Informat Engn & Artificial Intelligence, Lanzhou 730020, Gansu, Peoples R China
第一作者单位	统计与数据科学学院; 信息工程与人工智能学院
通讯作者单位	统计与数据科学学院; 信息工程与人工智能学院
推荐引用方式 GB/T 7714	Xie, Yan,Guo, Jingjun,Ma, Xiaowen. Digital inclusive financial and household fertility:Discoveries based on dual machine learning algorithm[J]. INTERNATIONAL REVIEW OF ECONOMICS & FINANCE,2025,97.
APA	Xie, Yan,Guo, Jingjun,&Ma, Xiaowen.(2025).Digital inclusive financial and household fertility:Discoveries based on dual machine learning algorithm.INTERNATIONAL REVIEW OF ECONOMICS & FINANCE,97.
MLA	Xie, Yan,et al."Digital inclusive financial and household fertility:Discoveries based on dual machine learning algorithm".INTERNATIONAL REVIEW OF ECONOMICS & FINANCE 97(2025).