• Login
  • Register
  • Search

Research on the Impact of Digital Financial Inclusion on the Operating Efficiency of Rural Commercial Banks ——Empirical Evidence from 67 Rural Commercial Banks in China

Wei Wang


Based on panel data from 2016 to 2021 for 67 rural commercial banks in China, a three-stage DEA model is constructed to measure
the operational efficiency of these banks. The digital financial inclusion index at the county level is integrated to explore the impact of digital
financial inclusion on the operational efficiency of rural commercial banks. The findings indicate a significant effect of digital financial inclusion on the operational efficiency of these banks.


Digital Financial Inclusion; Rural Commercial Banks; Operational Efficiency

Full Text:


Included Database


[1] YANG Wang,XU Huilin,TAN Xiaofen et al. Fintech and Commercial Bank Efficiency-An Empirical Study Based on DEA-Malmquist Model[J]. International Finance Research,2020(07):56-65.

[2] Duan Yongrui,Jing Fangfang,Li Guiping. Efficiency evaluation of Chinese commercial banks based on two-stage DEA method[J].

Operations Research and Management,2019,28(02):118-125.

[3] HUANG Xian,YU Dan,YANG Liu. Research on X-efficiency of China’s commercial banks--an empirical analysis based on DEA

three-stage model[J]. Quantitative Economicsand Technical Economics Research,2008(07):80-91.

[4] Du Li,Liu Zheng. The impact of digital finance on credit risk constraints and operational efficiency of commercial banks[J]. International Financial Studies,2022(06):75-85.

[5] Feng Sixian,Guo Renjing. Digital Finance, Bank Competition and Bank Efficiency[J]. Reform,2019(11):75-89.

[6] YUAN Xiaoling,ZHANG Baoshan. Research on the influencing factors of total factor productivity of Chinese commercial banks--

an analysis of Malmquist index based on DEA model[J]. Research on Quantitative Economics and Technical Economics, vol.2009,26(04):93-


[7] GUO Feng,WANG Jingyi,WANG Fang et al. Measuring the development of digital inclusive finance in China: indexing and spatial characterization[J]. Economics (Quarterly).2020,19(04):1401-1418.

[8] Zhenping Zhang,Yunhua Liu. The Impact of Digital Financial Development on the Operational Efficiency of Rural Commercial

Banks-An Empirical Study Based on Unbalanced Panel Data from 2014-2018[J]. Agricultural Technology and Economy,.2022(04):67-81.

DOI: http://dx.doi.org/10.18686/fm.v9i2.12487