普惠金融视角下县域数字金融发展研究

The Research on the Development of County-level Digital Finance from the Perspective of Inclusive Finance

数字技术是创新金融服务实体经济较为有效的手段之一。本文根据县域地区4465份调查问卷,通过Ordered回归分析得出,客户办理银行业务的便捷性、对电子银行的了解和安全性认识程度是影响县域地区电子银行发展的主要因素。建议从制定并完善有利于县域电子银行业务发展的政策机制、明确电子银行业务重点普及群体和服务重点、加大对电子银行业务宣传等方面进一步发展县域地区电子银行业务提高数字金融对实体经济的服务支持效果。

Taking advantage of digital technology is one of more effective means to innovate financial services for the real economy.According to 4465 copies of questionnaires from county-level areas,through Ordered regression analysis,the paper draws the conclusion that the convenience of customers’dealing with banking business,the degree of understanding the electronic banking and security awareness is the main factor affecting the development of electronic banking in county-level areas.The paper puts forward countermeasures to further develop the electronic banking business in county-level areas such as formulating and perfecting policy mechanism conducive to the development of county-level electronic banking business,clarifying the popularization objects and service focus of electronic banking business,increasing the propaganda of electronic banking business and so on,and then to improve the supporting effect of digital financial service for the real economy.