The impact of digital financial inclusion on bank performance: An exploration of mechanisms of action and heterogeneity.

The use of digital technology by banks and other financial institutions to facilitate financial inclusion is referred to as digital financial inclusion. This fusion of digital finance and traditional banking methods has the potential to impact banks' operational effectiveness. This study uses the panel effects model to examine the link between digital financial inclusion and bank performance in 30 Chinese provinces from 2012 to 2021. This research uses kernel density estimation to examine the spatial-temporal growth patterns of both variables. The mediator variable in examining how digital financial inclusion affects bank performance is risk-taking. Finally, the paper analyses the regional heterogeneity of the impact. It presents the following conclusions: (1) In China, digital financial inclusion and bank performance have constantly increased, with noticeable regional variances in their development levels. This regional inequality has widened gradually since 2018, yet it has not resulted in polarization. (2) The significant positive correlation between digital inclusive finance and banking performance indicates that banking performance tends to increase with the enhancement of digital inclusive finance. (3) Digital financial inclusion impacts bank performance, with risk-taking as a moderator. The spread of digital financial inclusion services enhances banks' willingness to take risks, enhancing overall efficiency. (4) Digital financial inclusion boosts bank performance in the Northwest, South, North, and East regions while lightly inhibiting it in the Central region. Based on the findings, this study makes bank and government suggestions.

Investigating the temporal and spatial evolution of bank performance and its impact pathways in the context of financial technology development.

Financial technology transforms humans and businesses as globalization and the digital economy accelerate. This affects bank performance. Thus, studying whether financial technology affects bank performance is crucial to enhancing living standards and business development. This article examines the development and interaction between financial technology and bank performance from 2012 to 2021 using standard deviation ellipses, kernel density estimation, Moran's index, and spatial econometric models. The research found that (1) financial technology development improves regional bank performance. In contrast, control variables like economic development, urbanization, tax burden, capital adequacy ratio, net interest margin, and loan-to-deposit ratio also affect bank performance. (2) From 2012 to 2021, Chinese bank performance initially grew, then declined, while financial technology declined slowly and improved rapidly. Financial technology and bank performance development were highest in the eastern coastal regions and lowest in the northwest and northeast. (3) China's financial technology and bank performance had high-high or low-low spatial agglomeration. (4) Financial technology and control variables have a spatial spillover effect on bank performance, so their development in one region can affect neighboring regions. This article provides recommendations for governments and banks based on these findings.

The effect of the digital economy on carbon emissions: an empirical study in China.

Under the new development model, the digital economy has become a new engine to promote the green development of the economy and achieve the goal of "double carbon." Based on panel data from 30 Chinese provinces and cities from 2011 to 2021, the impact of the digital economy on carbon emissions was empirically studied by constructing a panel model and a mediation model. The results show that firstly, the effect of the digital economy on carbon emissions is a non-linear inverted "U" shaped relationship, and this conclusion still holds after a series of robustness tests; secondly, the results of the benchmark regression show that economic agglomeration is an essential mechanism through which the digital economy affects carbon emissions and that the digital economy can indirectly suppress carbon emissions through economic agglomeration. Finally, the results of the heterogeneity analysis show that the impact of the digital economy on carbon emissions varies according to the level of regional development, and its effect on carbon emissions is mainly in the eastern region, while its impact on the central and western regions is weaker, indicating that the impact effect is primarily in developed regions. Therefore, the government should accelerate the construction of new digital infrastructure and implement the development strategy of the digital economy according to local conditions to promote a more significant carbon emission reduction effect of the digital economy.