信息通讯技术对金融普惠的影响研究——基于江苏省13市48个县、市、区金融机构的经验数据

Study on the impact of information and communication technology on financial inclusion:based on the empirical evidence of financial institutions from 48 counties in 13 cities of Jiangsu province

在中国普惠金融体系的建设过程中,基础性金融服务的供给与传统公共物品的供给具有相似性。文章理论分析了信息通讯技术对基础性金融服务供需均衡的影响机制,指出信息通讯技术水平的提高增加了金融服务的供给渠道,并降低机构向偏远地区、农村家庭、城镇低收入家庭提供金融服务时的成本,在新的市场供需均衡状态下,供给总量大幅提高而价格变动较小。随后,基于江苏省13市48个县、市、区金融机构的调查数据,实证检验了信息通讯技术的提高对金融覆盖面的正向影响;研究结论还显示,基础设施建设水平、信用环境等因素同样正向影响,而区域公平性的影响并不显著。

In the process of building inclusive financial system in China, the supply of basic financial services is similar tothat of traditional public goods. This paper firstly does some theoretical analysis on the mechanism of influence ofinformation and communication technology on the balance between supply and demand of basic financial service. It pointsout that with the improvement of information and communication technologies, the supply of financial service will beincreased and the cost of providing financial service to remote areas, rural families and urban low-income families will bereduced. Under the new balance of supply and demand in the market, The total supply has increased substantially and theprice changes little. This paper further collects and investigates the survey data of 48 counties in 13 cities of Jiangsuprovince and empirically tests the positive influence of the improvement of information and communication technology onthe breadth of financial coverage. The conclusion also shows that the level of infrastructure construction, creditenvironment and other factors are also positively affected, but the impact of regional equity is not significant.