Relationship between Digital Inclusive Finance Devel-opment and Commercial Banks Competition——Taking the Beijing Tianjin Hebei Region as an Example
This paper selects the data of commercial banks in Beijing Tianjin He-bei region from 2011 to 2021,and analyzes the impact of digital inclusive finance on banking competition in this region in combination with the digital inclusive finance in-dex of Peking University.Research shows that the digital inclusive finance in the region has promoted the development of financial market,with a significant effect on banking competition;the coverage and depth of digital inclusive finance have a greater impact on the competition of the banking industry in the region than the degree of digitization,while the impact varies in Beijing,Tianjin,and Hebei.Digital inclusive finance plays a greater role in Beijing and Hebei Province than in Tianjin.Therefore,the local govern-ment should strengthen systematic thinking,continuously improve and encourage innova-tive financial products to meet the needs of different industries and groups;rely on big data,cloud computing,etc.to provide precise and intelligent services;and pay attention to strong alliances with third-party fintech companies to improve the using efficiency of digital finance.
Beijing,Tianjin and Hebeidigital inclusive financebanking compe-tition
NETL
NSTL
万方数据
