芳林新叶催陈叶:数字金融发展与银行网点退出  

Digital Finance and Bank Branch Closing

作　　者：蔡卫星[1,2] 林航宇 张勋 张海洋 胡英琦[3] CAI Weixing;LIN Hangyu;ZHANG Xun;ZHANG Haiyang;HU Yingqi(Guangdong University of Finance&Economics;University of International Business and Economics;Beijing Normal University;Peking University)

机构地区：[1]广东财经大学国家金融学研究中心 [2]广东财经大学金融学院 [3]对外经济贸易大学中国金融学院 [4]北京师范大学统计学院 [5]北京大学数字金融研究中心

出　　处：《经济学（季刊）》2024年第4期1191-1207,共17页China Economic Quarterly

基　　金：国家社会科学基金重点项目(19AJY027、23AZD028);国家自然科学基金项目(71973014);中央高校基本科研业务费专项资金资助。

摘　　要：本文从数字金融的角度研究近年来出现的银行网点“关停潮”的背后原因。将数字普惠金融指数和银行网点金融许可证数据匹配后的实证分析发现:首先,数字金融发展增加了银行网点退出数量;其次,从机制来看,数字金融发展降低了银行网点绩效是导致银行网点退出的直接原因,数字金融发展对传统银行业务的挤出效应则是导致银行网点退出的根本原因;最后,从异质性来看,这种影响在老龄化人口占比低和受教育年限高的城市中更加显著。We explore the reasons behind the recent surge in bank branch closures through the lens of digital finance.Our empirical analysis,matching the index of digital financial inclusion with bank branch licensing data,reveals that the advancement of digital finance has contributed to an increasing number of bank branch closures.Regarding the mechanisms,while the development of digital finance directly leads to these closures by reducing bank branch performance,it is the displacement effect of digital finance on traditional banking activities that stands as the fundamental cause.This phenomenon is more pronounced in cities with a lower proportion of elderly residents and higher average educational attainment.

关 键 词：数字金融 银行网点 银行绩效 

分 类 号：F49[经济管理—产业经济] F832