数字普惠金融背景下对农业银行获利影响分析

数字普惠金融背景下对农业银行获利影响分析摘要随着数字普惠金融的发展，小微企业的融资以及群众的金融服务可得性问题有一定程度的缓解。普惠金融是为了让更多的普通群体享受金融服务，更好地支持实体经济开展，那么银行是否适合发展普惠金融，发展普惠金融后是否会降低商业银行的获利能力呢？这些都是本文探讨的主题。本文选取了农业银行2013-2021半年报和年报的相关数据，从农行的普惠金融业务与资源配置两个维度出发，其中选取了涉农贷款占比、小微企业贷款占比和手机银行用户数作为核心变量，形成时间序列并进行多元线性回归模型进行研究分析，最后进行稳健性检验。实证的结果显示，普惠金融业务的开展以及手机银行用户数对农行的获利呈现负向关系，其中的涉农贷款占比相比小微企业贷款占比有着较强的负向作用。因此，本文认为商业银行推行普惠金融业务应该从提高经营理念、拓展渠道改善普惠金融的效率。关键词：农业银行：普惠金融：涉农贷款占比：小微企业贷款占比；手机银行用户数：多元线性回归Analysis of the impact on the profitability of agricultural banks inthe context of digital financial inclusionAbstractWith the development of digital inclusive finance,the financing of small and microenterprises and the availability of financial services for the masses have been alleviated to acertain extent.Inclusive finance is to allow more ordinary groups to enjoy financial servicesand better support the development of the real economy.Is it suitable for banks to developinclusive finance,and will the development of inclusive finance reduce the profitability ofcommercial banks?These are the topics explored in this article.This paper selects the relevant data of the 2013-2021 semi-annual report and annualreport of the Agricultural Bank of China.Starting from the two dimensions of the AgriculturalBank's inclusive finance business and resource allocation,it selects the proportion ofagriculture-related loans,the proportion of small and micro enterprise loans,and mobilebanking users.Data is used as the core variable to form a time series and carry out a multiplelinear regression model for research and analysis,and finally conduct a robustness test.Theempirical results show that the development of inclusive finance business and the number ofmobile banking users have a negative relationship with the profitability of ABC,and theproportion of agriculture-related loans has a stronger negative effect than the proportion ofsmall and micro enterprise loans.Therefore,this paper believes that the implementation ofinclusive finance business by commercial banks should improve the efficiency of inclusivefinance by improving business philosophy and expanding channelsKeywords:Agricultural Bank;Financial Inclusion;the proportion of agriculture-relatedloans the proportion of small and micro enterprise loans,and the number of mobile bankingusers;Multiple Linear Regression目录一、引言.1(一)研究背景及意义1.研究背景2.研究意义…(二)文献综述.1.数字普惠金融的概述22.普惠金融的相关研究..3(三)研究内容.…二、普惠金融与银行盈利的理论基础(一)普惠金融的基本概念··。41.理论概念52.基本概念5(二)商业银行盈利理论基础...1.金融发展理论...62.产业组织理论.。63.规模经济理论.6三、农业银行普惠金融业务的发展情况与影响途径6(一)普惠金融业务的经营状况1.业务开展情况.。72.风险管理情况。7(二)普惠金融对银行盈利的影响途径81.资产业务的影响.2.负债业务的影响.。83.资源配置的影响..4.宏观环境的影响…。9四、数字普惠金融背景下对农业银行获利影响实证分析(一）研究假设.9(二)数据米源与变量选取.…101.数据米源102.变量选取.…10(三)模型构建.…(四)实证分析.91.描述性统计.…122.自相关检验133.平稳性检验.134.协整检验.145.多元线性回归.156.稳健性检验.…16(五)结论17五、建议…18(一)完善经营，提高能力.。18(二)拓展渠道，优化服务.19(三)人才引进，体系建设..19(四)加强监督，风险管理…19参考文献…20致谢…22