Proceedings of the 2022 3rd International Conference on E-commerce and Internet Technology (ECIT 2022)

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Research on the Influence of Digital Inclusive Finance on the Profits of Commercial Circulation Industry Empirical Analysis Based on China’s Provincial Panel Data

Authors
Xinyi Du1, *
1Economic Statistics Major, Harbin University of Commerce, Harbin, China
*Corresponding author. Email: duxinyi2022@163.com
Corresponding Author
Xinyi Du
Available Online 10 November 2022.
DOI
10.2991/978-94-6463-005-3_51How to use a DOI?
Keywords
Digital financial inclusion; wholesale and retail industry; panel data model
Abstract

In recent years, the wave of digitalization has swept the world and gradually penetrated into the commercial and trade circulation industry. With the development of financial technology, such as big data and blockchain are favored by financial institutions with the advantages of lower acquisition costs and review costs. In order to discuss the impact of digital inclusive finance on the profits of the commercial and trade circulation industry, this paper uses the digital inclusive finance index published by Peking University to start from six dimensions of digital inclusive finance coverage, depth of use, payment, insurance, credit and digitalization. The results show that digital financial inclusion has significantly promoted the improvement of the profits of the commercial and trade circulation industry; secondly, the regression of sub-sectors finds that the promotion of digital financial inclusion on the profits of the retail industry is greater than that of the wholesale industry; in addition, the return to reality by region, digital inclusive finance has a significant impact on the improvement of the profits of the commerce and trade circulation industry in the eastern and western regions, but it has a greater role in promoting the eastern region.

Copyright
© 2023 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 2022 3rd International Conference on E-commerce and Internet Technology (ECIT 2022)
Series
Atlantis Highlights in Engineering
Publication Date
10 November 2022
ISBN
10.2991/978-94-6463-005-3_51
ISSN
2589-4943
DOI
10.2991/978-94-6463-005-3_51How to use a DOI?
Copyright
© 2023 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Xinyi Du
PY  - 2022
DA  - 2022/11/10
TI  - Research on the Influence of Digital Inclusive Finance on the Profits of Commercial Circulation Industry Empirical Analysis Based on China’s Provincial Panel Data
BT  - Proceedings of the 2022 3rd International Conference on E-commerce and Internet Technology (ECIT 2022)
PB  - Atlantis Press
SP  - 512
EP  - 521
SN  - 2589-4943
UR  - https://doi.org/10.2991/978-94-6463-005-3_51
DO  - 10.2991/978-94-6463-005-3_51
ID  - Du2022
ER  -