Research on the Mechanism of Digital Inclusive Finance in Promoting Social Integration of New Urban Residents-Evidence from Shenzhen's Policy, Technology, and Product Synergy
Main Article Content
Keywords
new urban residents, digital inclusive finance, social integration, Shenzhen case study, new urbanization
Abstract
As a new financial model characterized by high convenience and broad coverage, digital inclusive finance can effectively mitigate the negative impacts of financial exclusion and accelerate the social integration of new urban residents. Taking Shenzhen as a case study, this paper systematically examines the operational mechanisms through which digital inclusive finance facilitates the social integration of new urban residents. Findings reveal that by synergizing policy, regulation, technology, infrastructure, and product innovation, digital inclusive finance effectively promotes integration across four dimensions: economic, institutional, psychological, and social. Consequently, Shenzhen’s three-dimensional framework—characterized by “policy coordination, technology empowerment, and product innovation”—offers a replicable model for people-centered new urbanization development.
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