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

doi:10.18686/fm.v9i2.12487

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

Abstract

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.

Keywords

Digital Financial Inclusion; Rural Commercial Banks; Operational Efficiency

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

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