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AnalysisoftheimpactontheprofitabilityofagriculturalbanksinthecontextofdigitalfinancialinclusionAbstractWiththedevelopmentofdigitalinclusivefinance,thefinancingofsmallandmicroenterprisesandtheavailabilityoffinancialservicesforthemasseshavebeenalleviatedtoacertainextent.Inclusivefinanceistoallowmoreordinarygroupstoenjoyfinancialservicesandbettersupportthedevelopmentoftherealeconomy.Isitsuitableforbankstodevelopinclusivefinance,andwillthedevelopmentofinclusivefinancereducetheprofitabilityofcommercialbanks?Thesearethetopicsexploredinthisarticle.Thispaperselectstherelevantdataofthe2013-2021semi-annualreportandannualreportoftheAgriculturalBankofChina.StartingfromthetwodimensionsoftheAgriculturalBank’sinclusivefinancebusinessandresourceallocation,itselectstheproportionofagriculture-relatedloans,theproportionofsmallandmicroenterpriseloans,andmobilebankingusers.Dataisusedasthecorevariabletoformatimeseriesandcarryoutamultiplelinearregressionmodelforresearchandanalysis,andfinallyconductarobustnesstest.TheempiricalresultsshowthatthedevelopmentofinclusivefinancebusinessandthenumberofmobilebankingusershaveanegativerelationshipwiththeprofitabilityofABC,andtheproportionofagriculture-relatedloanshasastrongernegativeeffectthantheproportionofsmallandmicroenterpriseloans.Therefore,thispaperbelievesthattheimplementationofinclusivefinancebusinessbycommercialbanksshouldimprovetheefficiencyofinclusivefinancebyimprovingbusinessphilosophyandexpandingchannels.Keywords:AgriculturalBank;FinancialInclusion;theproportionofagriculture-relatedloans;theproportionofsmallandmicroenterpriseloans,andthenumberofmobilebankingusers;MultipleLinearRegression目录一、引言.............................................................................1（一）研究背景及意义.............................................................11.研究背景...................................................................12.研究意义...................................................................2（二）文献综述...................................................................21.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...................................................................4二、普惠金融与银行盈利的理论基础.....................................................4（一）普惠金融的基本概念.........................................................41.理论概念........................
