Research status and hot spots of commercial banks under the background of digital inclusive finance development —— Visualization analysis based on CiteSpace
Xingfu Ni
Tianjin Polytechnic Normal University
Jiatong Dui
Tianjin Polytechnic Normal University
Yi Peng
Tianjin Polytechnic Normal University
Zhiran Hu
Tianjin Polytechnic Normal University
DOI: https://doi.org/10.59429/bam.v7i2.10532
Keywords: Digital inclusive finance; Commercial banks; Emerging technology
Abstract
Digital inclusive finance, a blend of traditional finance and emerging tech, eases SMEs’ financing woes. Commercial banks are using AI and other new tech to drive inclusive finance. This paper analyzes 458 CNKI articles on “digital inclusive finance * commercial banks” from 2016 - 2024 with CiteSpace. The study reveals new tech has spurred commercial banks’ digital transformation, allowing traditional banks to better serve low - income groups and micro - enterprises.
References
[1]Dujin Gang, Hu Dan, Xu Jing. Research on the Promotion of Rural Revitalization Strategy by Inclusive Finance [J]. Straits Science and Industry, 2024, 37(12): 88-91.
[2]Wang Xutao. Research on the Impact of Digital Inclusive Finance Development on the Efficiency of Commercial Banks [D]. Shanxi University of Finance and Economics, 2022.DOI: 10.27283/d.cnki.gsxcc.2022.000118. [3]Huang Rui. The Impact of Digital Inclusive Finance on Risk Taking of Commercial Banks [J]. Gansu Finance, 2025, (01): 71-77.
[4]Chu Tian Tian. Mechanism and Path of Digital Inclusive Finance to Support Rural Revitalization [J]. Rural Economy and Science & Technology, 2024, 35(21): 217-220.
[5]Li Xiangqian and He Zhuoyi. Research on the Impact of Fintech Development on Commercial Banks [J]. Modern Economic Discussion, 2021,(02): 50-57.DOI: 10.13891/j.cnki.mer.2021.02.008.
[6]Song Bo, Han Zhuoyang. Research on the Impact of Fintech on Digital Financial Inclusion [J]. Contemporary Rural Finance, 2024, (11): 2-7.
[7]He Li, Feng Ke, Liu Yufeng. The influence of fintech development level on risk bearing of commercial banks [J]. Southwest Finance, 2022, (08): 43-58.