数字普惠金融发展与商业银行竞争之间的关系研究——以京津冀地区为例  

Relationship between Digital Inclusive Finance Development and Commercial Banks Competition——Taking the Beijing Tianjin Hebei Region as an Example

作　　者：张友攀 李仁杰 查云亮 ZHANG You-pan;LI Ren-jie;ZHA Yun-liang(Agricultural Bank of China Tianjin Hedong Branch,Tianjin 300074)

机构地区：[1]中国农业银行天津市河东支行,天津300074

出　　处：《天津商务职业学院学报》2024年第1期25-32,共8页Journal of Tianjin College of Commerce

摘　　要：本文选用2011-2021年京津冀地区商业银行机构数据,结合北京大学数字普惠金融指数,分析了京津冀地区数字普惠金融对于银行业竞争的影响。研究表明:京津冀地区数字惠普金融推动了金融市场的发展,对银行业的竞争具有明显促进作用;数字普惠金融的覆盖广度和使用深度对该地区银行业竞争发挥的作用大于数字化程度;同时对银行业竞争的影响在京津冀三地存在一定的差异性,在北京市和河北省发挥的作用更大,天津市数字普惠金融的作用还有待进一步提升。故此地方政府应强化系统思维,不断深化和鼓励创新金融产品,满足不同行业、不同群体的需求;依托大数据、云计算等进行精准、智能服务;注意与第三方金融科技公司强强联合,提高数字金融的使用效率。This paper selects the data of commercial banks in Beijing Tianjin Hebei 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 index 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 government should strengthen systematic thinking,continuously improve and encourage innovative 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.

关 键 词：京津冀 数字普惠金融 银行业竞争 

分 类 号：F49[经济管理—产业经济]