With the rapid development of China’s economy and the acceleration of urbanization, the country’s housing security system is constantly improving. To address the housing difficulties experienced by low- and middle-income populations, China has formulated the housing provident fund system and the affordable housing system. However, especially for the floating population, housing and medical security have not resulted in an equalization of services. We thus analyze data from Chinese Family Panel Studies (CFPS) to describe the influence of housing security on the family medical economic risk of the floating population. According to the results, the payment of housing provident fund can effectively reduce the incidence of catastrophic health expenditures. In contrast, per capita financial expenditure on affordable housing will significantly increase family medical economic risk. Heterogeneity tests based on the household register and income levels show that the impacts of housing security vary across populations. In addition, the influence mechanism analysis shows that the impact is mediated through housing mortgage loans. Based on the conclusions drawn, three policy recommendations of optimizing the guarantee function of the housing provident fund system, expanding the coverage of affordable housing policy, and promoting the coordinated development of housing and medical security are proposed. This research not only has theoretical and practical significance for the establishment of the security system for the floating population in China but also provides an effective reference for the development of housing and medical security systems in other countries.
Although extant literature has extensively discussed the poverty reduction effect of digital financial inclusion, few papers have explored the association from a spatial perspective. Based on the Peking University Digital Financial Inclusive Index, this study empirically tests the impact of digital financial inclusion on the urban–rural income gap in China. To perform the analysis, this paper employs the spatial Durbin model (SDM) with double fixed effects and a mediating effect model. We find that (1) there is a significant positive spatial correlation between digital financial inclusion and the urban–rural income gap, and both variables have certain spatial agglomeration characteristics; (2) digital financial inclusion has a significant promotion effect and a positive spatial spillover effect on reducing the urban–rural income gap; and (3) the test of the spatial influence mechanism shows that the above effect is achieved by promoting industrial structure upgrading. This paper combines the above results to propose corresponding policy recommendations, which are valuable for other developing countries and emerging economies with similar backgrounds to China.
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