数字金融对银行业金融机构多样化发展的影响研究
A study of the impact of digital finance on the diversified development of financial institutions in banking industry
刘芳1
作者信息
- 1. 江苏理工学院 管理学院,江苏 常州 213001;新疆财经大学 金融学院,新疆 乌鲁木齐 830012
- 折叠
摘要
金融机构的多样化发展能为实体经济提供多层次、多元化的金融服务,从而更好地实现金融的普惠性目标.基于2011—2020年中国30个省市银行业的金融机构规模、数量以及从业人数的面板数据,从理论和实证两个方面研究了数字金融对银行业金融机构多样化发展的影响.结果表明,数字金融显著促进了银行业金融机构的多样化发展,但在数字金融的三个分维度上,对不同指标测度的金融机构多样性的影响呈现出了较大的差异.进一步分析表明,在不同的区域和不同的数字金融发展水平下,数字金融对银行业金融机构多样化发展的影响存在异质性.具体地,不管是从哪个角度来衡量银行业金融机构的多样化发展程度,数字金融均显著促进了东部和西部地区以及数字金融发展水平较高的地区银行业金融机构的多样化发展,而在中部地区和数字金融发展水平较低地区,数字金融对以金融机构数量测度的银行业金融机构多样化发展程度的影响不显著.此外,普惠金融国家发展战略的实施增强了数字金融对银行业金融机构多样化发展的促进效应.
Abstract
The diversified development of financial institutions can provide multi-level and diversified financial services for the real economy and better achieve the goal of financial inclusion. Based on panel data from 30 provinces in China from 2011 to 2020,covering the scale,number,and employment of financial institutions in banking industry ,this paper investigates the impact of digital finance on the diversified development of finan-cial institutions from both theoretical and empirical perspectives. The results show that digital finance presents significant promotion on the diversified development of financial institutions of banking industry. However , there are considerable differences in the impact on different measures of financial institution diversity across the three sub-dimensions of digital finance. Further research shows that the impact of digital finance on the diversi-fied development of financial institutions of banking industry is heterogeneous in different regions and different levels of digital finance development. Specifically,regardless of the angle from which the degree of diversification of banking financial institutions is measured,digital finance significantly promotes the diversified development of banking financial institutions in the eastern and western regions and in areas with high levels of digital finance de-velopment. In contrast,in the central regions and areas with low levels of digital finance development,the impact of digital finance on the degree of diversification measured by the number of financial institutions is not significant. In addition,the implementation of the national strategy of inclusive finance has improved the role of digital finance in promoting the diversified development of financial institutions in banking industry.
关键词
数字金融/银行业/金融机构/多样化发展Key words
digital finance/banking industry/financial institutions/diversified development引用本文复制引用
基金项目
江苏高校哲学社会科学研究一般项目(2022SJYB1297)
新疆维吾尔自治区研究生创新项目(XJ2024G225)
出版年
2024
NETL
NSTL
万方数据