银行竞争对家庭金融包容的影响——来自中国家庭金融调查的证据  

The Impact of Bank Competition on Improving Family Financial Inclusion——Evidence from China’s Household Financial Survey

作　　者：粟勤[1] 雷海波 邓小艳[1] SU Qin;LEI Hai-bo;DENG Xiao-yan

机构地区：[1]对外经济贸易大学金融学院,北京100029 [2]天津职业技术师范大学经济与管理学院

出　　处：《金融论坛》2021年第12期68-78,共11页Finance Forum

基　　金：国家社会科学基金项目“基于金融包容视角下的地区银行业市场结构与优化设计研究”(15BJL027);北京市社会科学基金项目(17YJA005)。

摘　　要：本文运用中国家庭金融调查(CHFS)数据,实证分析中国银行业市场竞争对于家庭基本金融服务使用的影响。研究发现:金融科技冲击下银行竞争促进了家庭银行账户、存款和信贷等基本金融服务的使用,提高了家庭金融包容水平;银行从供给侧进行渠道创新是上述效应的主要作用机制,并且,偏好风险、高教育水平、高金融知识、高收入和城镇地区家庭从银行竞争中受益更多。This paper uses the data of China Household Finance Survey(CHFS) to empirically analyze the impact of China’s banking market competition on the use of basic financial services by households. It is found that, due to the impact of fintech, the bank competition has promoted the use of basic financial services such as household bank accounts, deposits and credit, and improved household financial inclusion;the bank innovation in channels on supply side is the main mechanism of the above effects. Households with risk preference, high education level, high financial knowledge and high income and located in urban areas benefit more from banking competition.

关 键 词：银行竞争 家庭金融包容 金融科技 基本金融服务 

分 类 号：G21[文化科学—新闻学]