Global anthropogenic greenhouse gas emissions have exacerbated climate variation. Climate variation impacts the agricultural production and rural residents’ income negatively, further widening the urban-rural income gap and harming the co-benefits. Narrowing the income gap has always been a global concern and an important part of China’s rural revitalization strategy. However, little is known about whether digital inclusive finance can mitigate the negative impact of climate variation on rural residents’ income growth in China. Using panel data from 31 provinces in China from 2011 to 2019 and a digital inclusive finance index developed by Peking University, together with historical temperature data, this study examined the impact of digital inclusive finance on Chinese rural residents’ income growth in response to climate variation. It was found that digital inclusive finance could promote rural resident operating, wage, and transfer income growth. A heterogeneity analysis revealed that rural residents in central and western regions experienced larger digital inclusive finance facilitating effects on income growth than the eastern regions. Further analyses using the Spatial Dubin Model found that digital inclusive finance had a spatial spillover effect as it could significantly promote income growth in neighboring provinces. Although climate variation reduced rural residents’ income and increased their risks, digital inclusive finance significantly mitigated this negative effect. Digital information infrastructure construction, financial risk prevention, digital financial knowledge, and e-commerce popularization were practical paths to optimizing inclusive finance development in rural areas and promoting poverty alleviation and rural revitalization to resist climate risks.

The governments of most countries are striving to coordinate residents’ housing demands with the supply of land to achieve high-quality urbanization and improve residents’ welfare. Based on the panel data of all Chinese provinces from 2010 to 2017, this study obtains 248 observations. It uses the coupling coordination degree, the Mann–Kendall trend test, and spatial autocorrelation methods to analyze the temporal and spatial variation of the coordination degree of population urbanization and affordable housing land supply. The study aims to clarify the temporal trend further and identify the spatial mismatch of affordable housing land resource allocation and apply a panel fixed model to determine its driving factors. The regional differentiation of the coordinated development level of population urbanization and affordable housing land in China’s provinces is apparent. The overall spatial distribution characteristics of coordination are opposite to the development of its economic level. The Mann–Kendall trend test indicated that the coupling coordination degree had a significant upward trend nationwide. Moreover, the coupling coordination degree shows a strong positive global spatial correlation. The local spatial agglomeration characteristics of the coordination are significant and primarily manifested in high–high and low–low agglomeration. A negative correlation exists between the degree of coupling coordination and the dependence of local governments on land finance and housing prices.

Farmers’ land transfer practices optimize the allocation of agricultural resources by transferring them to more efficient operators. This enhances agricultural productivity and advances rural revitalization. However, due to the lack of financial institution outlets in rural areas, the availability of financial services in rural areas is limited, which in turn hinders the transfer of rural land. This study examines the impact of digital financial inclusion, characterized by the deep integration of internet technology and financial services, on farmers’ land transfer behavior in China. The study uses data from the China Family Panel Studies (2012–2022) and provincial digital financial inclusion data. The results show that digital financial inclusion significantly promotes rural land transfer-out. The mechanisms reveal two pathways: (1) digital financial inclusion expands non-agricultural entrepreneurship by easing credit constraints and reducing reliance on land livelihoods; (2) it increases participation in commercial insurance, mitigating risks of land abandonment. Heterogeneity analysis reveals stronger effects in eastern China and among educated households. Theoretically, the study identifies the dual role of financial technology in reshaping rural land markets through credit access and risk management. Practically, it reveals how DFI influences land transfer behavior, providing a basis for the government to formulate policies that combine the two, ultimately enhancing the production capacity, operational efficiency, and market competitiveness of smallholder farmers. The findings offer global insights for developing countries that are leveraging digital finance to activate rural land markets and achieve digital financial inclusion.

This study explores the invisible bias quantification of urban governments in their affordable housing service delivery, which can accurately identify the deficiencies of affordable housing policy and alleviate homelessness, poverty, and inequality. We identified complicated eligibility criteria for public rental housing programs in 153 prefectural cities and constructed a public rental housing accessibility index for urban residents and migrants. We used the principal component analysis method; this study offers a new perspective to explore these disparities. We found distinct regional differences in local governments’ behaviors and preferences regarding affordable housing. Cities’ affordable housing provision for migrants is selective and mainly targets young and highly educated migrants. We suggest that local governments pay more attention to elderly migrant workers in affordable housing provision and build a comprehensive evaluation system to set reasonable access conditions to prioritize those with urgent housing needs.