Research On The Impact Of Digital Inclusive Finance Development On Rural Commercial Bank Loans

With the continuous development of the digital economy era,the development of digital inclusive finance has also attracted widespread attention,and digital inclusive finance has brought more groups into the scope of economic and financial services,and with the help of digital technology,the universality and extensiveness of inclusive finance can be utilized to greater effect.At the same time,in the banking industry,rural commercial banks have long docked more customers are rural small and medium-sized micro-enterprises and local enterprises,to provide them with lower threshold financial services,and guided by relevant policies,this part of the financial institutions to undertake a large number of inclusive financial services,with the revitalization of the countryside,support for agriculture and support for small and medium-sized policies have been introduced one after another,the role of rural commercial banks in the play of the deep cultivation of local rural areas,services to the countryside and the role of the revitalization strategy has become more and more prominent.revitalization strategy has become more and more prominent,and is gradually becoming the main force and force to serve the countryside.On the one hand,the continuous development of digital inclusive finance has a deepening impact on the financial industry,and on the other hand,rural commercial banks are also playing an important role in the era of digital economy,so is there a connection between the two? If so,in what form and mechanism will digital financial inclusion have an impact on agribusiness banks.In order to solve the above problems,this paper explores the impact of digital inclusive finance on the loans of agribusiness banks from the perspective of agribusiness banks’ loans,which is of positive significance for enriching the existing literature as well as promoting the further development of digital inclusive finance at the real level.In this paper,on the basis of combing the existing literature,summarizing the shortcomings of the existing literature and combining the relevant financial theories,we put forward the research hypotheses of this paper,and on this basis,we have done a more detailed empirical evidence for testing.The empirical results show that digital inclusive finance does have an impact on the loans of agricultural commercial banks,and can affect the structure and scale of the loans of agricultural commercial banks in two major aspects,are positive,and this impact will not be because of whether the rural commercial banks listed and the geographical distribution of the different results of the opposite,but in the agricultural commercial banks listed and geographical distribution,there is a heterogeneous impact.Finally,this paper also considers the moderating role of regional digital technology talents in the process of the impact of digital inclusive finance on the lending of rural commercial banks,and the empirical results found that regional digital technology talents can play a positive moderating effect on this impact process.And on the basis of empirical evidence,corresponding policy recommendations are put forward,that only by continuing to promote the development of digital inclusive finance can we realize the high-quality development of rural commercial banks,for this reason,it is necessary to actively promote the construction of rural digital infrastructure to increase the possibility of farmers to obtain loans,in addition,for different types of rural commercial banks,it is necessary to adopt personalized models of development of digital inclusive finance,and,moreover,it is also necessary to increase the development of the In addition,it is also necessary to increase the cultivation and attraction of regional digital technology talents to promote the high-quality development of the digital economy.