金融学院知识库

  互联网时代下，数字普惠金融凭借其普惠性和便捷性，在支持实体经济发展、践行普惠金融理念方面具有重要意义，已成为金融领域的重要发展方向。近年来国家高度重视金融机构发展数字普惠金融，鼓励各大银行充分发挥优势功能，号召大型银行加快建设小微企业专营机构，实现层次多、覆盖广的金融服务。作为金融机构重要支柱的商业银行，积极响应政策导向，不仅落实了数字普惠金融的发展理念，而且还推动了传统业务向数字化的转型，并在数字普惠金融的实践中不断进步。

  本文以平安银行为例，探究其在数字普惠金融领域的发展实践和效果，并进一步探讨了如何构建有效的数字普惠金融评价体系。通过对平安银行数字普惠金融发展的系统评估，本文研究以期能够为商业银行发展数字普惠金融提供决策支持和优化服务的参考。作为股份制商业银行的代表，平安银行在金融科技时代下抓住机遇，大力发展数字普惠金融业务，其发展实践在行业内具有重要的借鉴作用。本文研究基于长尾理论和信息不对称理论，分析了平安银行数字普惠金融的发展实践。在数字普惠金融评价体系构建方面，本文从数字金融覆盖广度、数字金融使用深度和普惠金融数字化程度三个方面设置八个指标，运用熵值法对平安银行的数字普惠金融发展效果进行综合评估。为了保证评价的客观性，分别对平安银行进行自身纵向比较和行业横向比较，据此得出平安银行数字普惠金融发展效果的综合评价得分及平安银行发展数字普惠金融存在的问题。平安银行数字金融覆盖广度的综合得分在 2015 年至 2022 年整体处于增长态势，数字金融使用深度和普惠金融的数字化程度的综合得分则先下降后增长。在所选取的股份制银行中，平安银行综合评价得分排名较后，从 2018 年正式成立普惠金融事业部后，其排名开始不断靠前。平安银行虽在综合评价排名中不断进步，但数字普惠金融发展还存在普惠金融业务发展缓慢、普惠金融业务的风险上升以及普惠金融业务的竞争力较弱问题。基于前文分析，文章最后对平安银行以及其他商业银行数字普惠金融的发展提出建议，从培养复合型专业人才队伍、加强普惠金融差异化战略发展以及加强业务风险控制等方面创新数字普惠金融发展模式。

  In the Internet era, digital inclusive finance is of great significance in supporting the development of the real economy and practicing the concept of inclusive finance by virtue of its universality and convenience, and has become an important development direction in the financial field. In recent years, the state attaches great importance to the development of digital inclusive finance by financial institutions, encourages major banks to give full play to their advantages, and calls on large banks to speed up the construction of small and micro enterprises to realize multi-level and wide-ranging financial services. As an important pillar of financial institutions, commercial banks actively respond to the policy guidance, not only implement the development concept of digital inclusive finance, but also promote the transformation of traditional business to digital, and make continuous progress in the practice of digital inclusive finance.

  This paper takes Ping An Bank as an example to explore its development practice and effect in the field of digital inclusive finance, and further discusses how to build an effective digital inclusive finance evaluation system. Through the systematic evaluation of the development of digital inclusive finance of Ping An Bank, this paper aims to provide decision support and optimization service reference for the development of digital inclusive finance of commercial banks. As a representative of a joint-stock commercial bank, Ping An Bank has seized the opportunity in the era of fintech to vigorously developed the digital inclusive financial business, and its development practice plays an important role for reference in the industry. Based on the long tail theory and the theory of information asymmetry, this paper analyzes the motivation, current situation, measures and problems of Ping An Bank's development of digital inclusive finance, and explains its development practice. In terms of the construction of digital inclusive finance evaluation system, this paper sets eight indicators from three aspects: the coverage breadth of digital finance, the depth of digital finance and the digitalization degree of inclusive finance, and uses the entropy method to comprehensively evaluate the development effect of digital inclusive finance of Ping An Bank. In order to ensure the objectivity of the evaluation, Ping An Bank made its own vertical comparison and industry horizontal comparison of Ping An Bank, based on which the comprehensive evaluation score of the development effect of Ping An Bank's digital inclusive finance was obtained. The comprehensive score of the digital financial coverage breadth of Ping An Bank is in an overall growth trend from 2015 to 2022, while the comprehensive score of the use depth of digital finance and the digitalization degree of inclusive finance has decreased first and then increased. Among the selected joint-stock banks, Ping An Bank ranked last in the comprehensive evaluation score, and since the official establishment of the Inclusive Finance Division in 2018, its ranking has continued to rise. Although Ping An Bank has made continuous progress in the comprehensive evaluation ranking, there are still problems in the development of digital inclusive finance, such as the shortage of compound talents, the slow development of inclusive business, and the rising risk of inclusive financial business. Based on the above analysis, this paper finally puts forward some suggestions for the development of digital inclusive finance in Ping An Bank and other commercial banks, and innovates the development model of digital inclusive finance from the aspects of cultivating a team of compound professionals, strengthening the development of differentiated strategies of inclusive finance, and strengthening business risk control.