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November 9, 2025China Finance Review International

Fintech and individual business growth: evidence from China

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Authors

YZYue ZhangZQZhu Qi-guiSPSitong Pan

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Overview

Quantitative analysis shows financial technology boosts entrepreneurship in rural areas, suggesting policy adaptations needed.

Key Points

  • A one-standard-deviation increase in the financial technology index raises individual businesses by about 986.
  • Fintech notably improves entrepreneurship in agriculture and manufacturing sectors across rural regions in China.
  • Analysis used two-stage least squares to mitigate endogeneity in assessing the impact of financial technology.
  • Policymakers should enhance digital infrastructure to maximize the benefits of financial technology for business growth.

Cite This Study

Zhang et al. (2025) studied this question.

synapsesocial.com/papers/690fdce2f60c54d04ea3844ahttps://doi.org/10.1108/cfri-10-2024-0611
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  4. 4FinTech developments and their heterogeneous effect on digital finance for SMEs and entrepreneurship: evidence from 47 African countries2024 · 11 citations
  5. 5How does FinTech empower China’s rural revitalization? The role of entrepreneurial activeness, innovation capability and industrial structure advancement2024