Digital Financial Inclusion Catalyzing College Students Starting Businesses in Rural Hometowns: Models and Solutions

Ran Chen

doi:doi:10.11648/j.hss.20251302.18

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Digital Financial Inclusion Catalyzing College Students Starting Businesses in Rural Hometowns: Models and Solutions

Ran Chen^*

Published in Humanities and Social Sciences (Volume 13, Issue 2)

Received: 19 March 2025 Accepted: 11 April 2025 Published: 14 April 2025

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Abstract

Digital inclusive finance, emerging from the integration of the digital economy and inclusive financial practices, has become a transformative force in addressing the limitations of traditional financial systems, particularly in rural revitalization efforts. By leveraging advanced digital technologies such as the Internet, big data analytics, and the Internet of Things (IoT), digital inclusive finance can efficiently reach underserved populations and provide tailored financial services to end users. This technological advancement offers a practical solution to the persistent problem of the “last mile” in financial service delivery, especially in supporting college graduates who return to their hometowns to start businesses. The primary financial models facilitating this process include those led by traditional commercial banks, agriculture-focused leading enterprises, and digital financial platforms. These models collectively contribute to creating a more accessible and supportive entrepreneurial ecosystem in rural areas. To maximize the effectiveness of digital inclusive finance in promoting youth entrepreneurship in these regions, it is essential to strengthen institutional frameworks, invest in robust digital financial infrastructure, enhance inclusive credit information systems, and design flexible, diversified digital financial products that meet the needs of young entrepreneurs. In this context, digital inclusive finance serves not only as a financial tool but also as a strategic engine for rural development and youth-led innovation.

Published in	Humanities and Social Sciences (Volume 13, Issue 2)
DOI	10.11648/j.hss.20251302.18
Page(s)	152-161
Creative Commons	This is an Open Access article, distributed under the terms of the Creative Commons Attribution 4.0 International License (http://creativecommons.org/licenses/by/4.0/), which permits unrestricted use, distribution and reproduction in any medium or format, provided the original work is properly cited.
Copyright	Copyright © The Author(s), 2025. Published by Science Publishing Group

Keywords

Digital Finance Inclusion, College Student, Starting Businesses in Rural Hometowns

References

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APA Style

Chen, R. (2025). Digital Financial Inclusion Catalyzing College Students Starting Businesses in Rural Hometowns: Models and Solutions. Humanities and Social Sciences, 13(2), 152-161. https://doi.org/10.11648/j.hss.20251302.18

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ACS Style

Chen, R. Digital Financial Inclusion Catalyzing College Students Starting Businesses in Rural Hometowns: Models and Solutions. Humanit. Soc. Sci. 2025, 13(2), 152-161. doi: 10.11648/j.hss.20251302.18

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AMA Style

Chen R. Digital Financial Inclusion Catalyzing College Students Starting Businesses in Rural Hometowns: Models and Solutions. Humanit Soc Sci. 2025;13(2):152-161. doi: 10.11648/j.hss.20251302.18

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@article{10.11648/j.hss.20251302.18,
  author = {Ran Chen},
  title = {Digital Financial Inclusion Catalyzing College Students Starting Businesses in Rural Hometowns: Models and Solutions
},
  journal = {Humanities and Social Sciences},
  volume = {13},
  number = {2},
  pages = {152-161},
  doi = {10.11648/j.hss.20251302.18},
  url = {https://doi.org/10.11648/j.hss.20251302.18},
  eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.hss.20251302.18},
  abstract = {Digital inclusive finance, emerging from the integration of the digital economy and inclusive financial practices, has become a transformative force in addressing the limitations of traditional financial systems, particularly in rural revitalization efforts. By leveraging advanced digital technologies such as the Internet, big data analytics, and the Internet of Things (IoT), digital inclusive finance can efficiently reach underserved populations and provide tailored financial services to end users. This technological advancement offers a practical solution to the persistent problem of the “last mile” in financial service delivery, especially in supporting college graduates who return to their hometowns to start businesses. The primary financial models facilitating this process include those led by traditional commercial banks, agriculture-focused leading enterprises, and digital financial platforms. These models collectively contribute to creating a more accessible and supportive entrepreneurial ecosystem in rural areas. To maximize the effectiveness of digital inclusive finance in promoting youth entrepreneurship in these regions, it is essential to strengthen institutional frameworks, invest in robust digital financial infrastructure, enhance inclusive credit information systems, and design flexible, diversified digital financial products that meet the needs of young entrepreneurs. In this context, digital inclusive finance serves not only as a financial tool but also as a strategic engine for rural development and youth-led innovation.
},
 year = {2025}
}

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TY  - JOUR
T1  - Digital Financial Inclusion Catalyzing College Students Starting Businesses in Rural Hometowns: Models and Solutions

AU  - Ran Chen
Y1  - 2025/04/14
PY  - 2025
N1  - https://doi.org/10.11648/j.hss.20251302.18
DO  - 10.11648/j.hss.20251302.18
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JF  - Humanities and Social Sciences
JO  - Humanities and Social Sciences
SP  - 152
EP  - 161
PB  - Science Publishing Group
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UR  - https://doi.org/10.11648/j.hss.20251302.18
AB  - Digital inclusive finance, emerging from the integration of the digital economy and inclusive financial practices, has become a transformative force in addressing the limitations of traditional financial systems, particularly in rural revitalization efforts. By leveraging advanced digital technologies such as the Internet, big data analytics, and the Internet of Things (IoT), digital inclusive finance can efficiently reach underserved populations and provide tailored financial services to end users. This technological advancement offers a practical solution to the persistent problem of the “last mile” in financial service delivery, especially in supporting college graduates who return to their hometowns to start businesses. The primary financial models facilitating this process include those led by traditional commercial banks, agriculture-focused leading enterprises, and digital financial platforms. These models collectively contribute to creating a more accessible and supportive entrepreneurial ecosystem in rural areas. To maximize the effectiveness of digital inclusive finance in promoting youth entrepreneurship in these regions, it is essential to strengthen institutional frameworks, invest in robust digital financial infrastructure, enhance inclusive credit information systems, and design flexible, diversified digital financial products that meet the needs of young entrepreneurs. In this context, digital inclusive finance serves not only as a financial tool but also as a strategic engine for rural development and youth-led innovation.

VL  - 13
IS  - 2
ER  -

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Author Information

Ran Chen

Institute of Innovation and Entrepreneurship, Xinxiang Medical University, Xinxiang, China

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Plain Text BibTeX RIS

APA Style

Chen, R. (2025). Digital Financial Inclusion Catalyzing College Students Starting Businesses in Rural Hometowns: Models and Solutions. Humanities and Social Sciences, 13(2), 152-161. https://doi.org/10.11648/j.hss.20251302.18

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ACS Style

Chen, R. Digital Financial Inclusion Catalyzing College Students Starting Businesses in Rural Hometowns: Models and Solutions. Humanit. Soc. Sci. 2025, 13(2), 152-161. doi: 10.11648/j.hss.20251302.18

Copy | Download

AMA Style

Chen R. Digital Financial Inclusion Catalyzing College Students Starting Businesses in Rural Hometowns: Models and Solutions. Humanit Soc Sci. 2025;13(2):152-161. doi: 10.11648/j.hss.20251302.18

Copy | Download

@article{10.11648/j.hss.20251302.18,
  author = {Ran Chen},
  title = {Digital Financial Inclusion Catalyzing College Students Starting Businesses in Rural Hometowns: Models and Solutions
},
  journal = {Humanities and Social Sciences},
  volume = {13},
  number = {2},
  pages = {152-161},
  doi = {10.11648/j.hss.20251302.18},
  url = {https://doi.org/10.11648/j.hss.20251302.18},
  eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.hss.20251302.18},
  abstract = {Digital inclusive finance, emerging from the integration of the digital economy and inclusive financial practices, has become a transformative force in addressing the limitations of traditional financial systems, particularly in rural revitalization efforts. By leveraging advanced digital technologies such as the Internet, big data analytics, and the Internet of Things (IoT), digital inclusive finance can efficiently reach underserved populations and provide tailored financial services to end users. This technological advancement offers a practical solution to the persistent problem of the “last mile” in financial service delivery, especially in supporting college graduates who return to their hometowns to start businesses. The primary financial models facilitating this process include those led by traditional commercial banks, agriculture-focused leading enterprises, and digital financial platforms. These models collectively contribute to creating a more accessible and supportive entrepreneurial ecosystem in rural areas. To maximize the effectiveness of digital inclusive finance in promoting youth entrepreneurship in these regions, it is essential to strengthen institutional frameworks, invest in robust digital financial infrastructure, enhance inclusive credit information systems, and design flexible, diversified digital financial products that meet the needs of young entrepreneurs. In this context, digital inclusive finance serves not only as a financial tool but also as a strategic engine for rural development and youth-led innovation.
},
 year = {2025}
}

Copy | Download

TY  - JOUR
T1  - Digital Financial Inclusion Catalyzing College Students Starting Businesses in Rural Hometowns: Models and Solutions

AU  - Ran Chen
Y1  - 2025/04/14
PY  - 2025
N1  - https://doi.org/10.11648/j.hss.20251302.18
DO  - 10.11648/j.hss.20251302.18
T2  - Humanities and Social Sciences
JF  - Humanities and Social Sciences
JO  - Humanities and Social Sciences
SP  - 152
EP  - 161
PB  - Science Publishing Group
SN  - 2330-8184
UR  - https://doi.org/10.11648/j.hss.20251302.18
AB  - Digital inclusive finance, emerging from the integration of the digital economy and inclusive financial practices, has become a transformative force in addressing the limitations of traditional financial systems, particularly in rural revitalization efforts. By leveraging advanced digital technologies such as the Internet, big data analytics, and the Internet of Things (IoT), digital inclusive finance can efficiently reach underserved populations and provide tailored financial services to end users. This technological advancement offers a practical solution to the persistent problem of the “last mile” in financial service delivery, especially in supporting college graduates who return to their hometowns to start businesses. The primary financial models facilitating this process include those led by traditional commercial banks, agriculture-focused leading enterprises, and digital financial platforms. These models collectively contribute to creating a more accessible and supportive entrepreneurial ecosystem in rural areas. To maximize the effectiveness of digital inclusive finance in promoting youth entrepreneurship in these regions, it is essential to strengthen institutional frameworks, invest in robust digital financial infrastructure, enhance inclusive credit information systems, and design flexible, diversified digital financial products that meet the needs of young entrepreneurs. In this context, digital inclusive finance serves not only as a financial tool but also as a strategic engine for rural development and youth-led innovation.

VL  - 13
IS  - 2
ER  -

Copy | Download