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<p>Inclusive financial efficiency reflects the utilization efficiency of factor inputs, and how to effectively improve inclusive financial efficiency is the key to determining the high-quality development of inclusive finance in China. Can commercial banks rely on digital transformation to optimize credit resource allocation, improve inclusive financial efficiency, and better serve real economy? This paper takes a perspective on production factors and uses panel data from 111 commercial banks from 2018 to 2021 to examine the impact and mechanism of bank digital transformation on inclusive financial efficiency. The results indicate that bank digital transformation can optimize inclusive financial efficiency, and supply strong support for the long-term sustainable development of inclusive financial services. Bank digital transformation affects inclusive financial efficiency by changing the input of production factors. Specifically, bank digital transformation optimizes the human capital structure, enhances the ability to discern bank information, promotes business structure upgrading, and thus improves inclusive financial efficiency. Further research has found that bank digital transformation not only improves inclusive financial efficiency, but also takes into account the coverage of inclusive finance services to more vulnerable groups, without increasing their cost of accessing inclusive finance services. This paper provides theoretical reference for further optimizing the financial supply and demand structure and achieving high-quality inclusive finance.</p>

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Digital transformation and the inclusive financial efficiency for small and micro enterprises: evidence from Chinese commercial banks

  • 期刊论文

  • 出版模式：

    开放获取

  • 发表日期：

    2026年4月13日

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  • Nana Yang,
  • Rihong Zang,
  • Chengyuan Yin,
  • Guanghui Liu

摘要

Inclusive financial efficiency reflects the utilization efficiency of factor inputs, and how to effectively improve inclusive financial efficiency is the key to determining the high-quality development of inclusive finance in China. Can commercial banks rely on digital transformation to optimize credit resource allocation, improve inclusive financial efficiency, and better serve real economy? This paper takes a perspective on production factors and uses panel data from 111 commercial banks from 2018 to 2021 to examine the impact and mechanism of bank digital transformation on inclusive financial efficiency. The results indicate that bank digital transformation can optimize inclusive financial efficiency, and supply strong support for the long-term sustainable development of inclusive financial services. Bank digital transformation affects inclusive financial efficiency by changing the input of production factors. Specifically, bank digital transformation optimizes the human capital structure, enhances the ability to discern bank information, promotes business structure upgrading, and thus improves inclusive financial efficiency. Further research has found that bank digital transformation not only improves inclusive financial efficiency, but also takes into account the coverage of inclusive finance services to more vulnerable groups, without increasing their cost of accessing inclusive finance services. This paper provides theoretical reference for further optimizing the financial supply and demand structure and achieving high-quality inclusive finance.