【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。更多还原

【Abstract】 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.更多还原