25年CH金融学 普惠金融对商业银行的信用风险影响研究终稿-约15165字符.docx

AbstractThis paper takes the panel data of 77 commercial banks from 2011 to 2023 as a sample to explore the impact of digital inclusive finance on the credit risks of commercial banks. After empirical tests, it finally concludes that there is a significant inverted "U"-shaped relationship between digital inclusive finance and the credit risks of commercial banks. The paper reviews the relevant literature on inclusive finance and the credit risks of commer...