数字普惠金融发展对我国银行业竞争的影响

The Impact of the Development of Digital Financial Inclusion on the Competition of my Country’s Banking Industry

随着数字普惠金融的高速发展,金融业逐渐衍生出新金融服务模式,对银行业竞争格局产生了深远的影响。利用2011—2017年31个省的银行分支机构数据和北京大学数字普惠金融研究所的分省份数字普惠金融指数进行研究,考察数字普惠金融发展对银行业竞争产生的影响。实证结果显示,数字普惠金融发展显著提高了银行业的竞争程度,在控制内生性和变量测量误差后,结果仍然成立。基于研究结论,对于如何进一步利用好数字普惠金融优势,充分发挥其作用提出相关建议。

With the rapid development of digital financial inclusion,the financial industry gradually derives new financial service models,which have a profound impact on the competitive landscape of the banking industry.Using the data of bank branches in 31 provinces from 2011 to 2017 and the provincial digital financial inclusion index of the Institute of Digital Financial Inclusion of Peking University,we can examine the impact of the development of digital financial inclusion on the competition in the banking industry.The empirical results show that the development of digital financial inclusion has significantly increased the degree of competition in the banking industry.After controlling the endogenity and variable measurement errors,the results are still valid.Based on the research conclusions,suggestions can be made on how to further utilize the advantages of digital financial inclusion and give full play to its role in providing services.