Financial inclusion is a crucial link in achieving the Sustainable Development Goals (SDGs). Strengthening the capability of financial institutions to provide inclusive financial services can help to narrow the inequality gap and increase access to opportunities. Digitalization, with its competitive advantages and rapid growth, may be a powerful tool to foster financial inclusion and sustainable development. This paper examines the effects of bank digitalization on sustainable financial inclusion and explores two underlying incentive mechanisms in banks: profit driven and risk aversion. We construct a basic model and a mechanism model and exploit a nonlinear attempt, heterogeneous estimation as well as supplementary variable and instrument variable methods for a robustness test. The results of the basic model demonstrate that bank digitalization has significant positive effects on financial inclusion and the current financial inclusive effects are sustainable. The mechanism models designed as the mediation effect panel model suggest that digitalization enables banks to expand the business probability frontier of profit-driven behavior and pursuit of credit portfolio diversity in risk aversion behavior, thereby promoting sustainable financial inclusion. As a result of digitalization, vulnerable groups can benefit from sustainable financial inclusion, while financial inclusion feeds back into banks’ sustainable development. This paper conforms to the trend of the development of digitalization and provides theoretical and empirical support for banks to build digitalization and realize sustainable financial inclusion, which contributes to the “triple-win” financial ecology for improving banks’ performance, increasing the rights of vulnerable groups and promoting sustainable development throughout society.

No abstract

No abstract

Practical teaching is an important content for talent training in undergraduate teaching, and it is far from enough to rely solely on pure theory teaching to adapt to the requirements of educational development under the background of new situation and new ideas in the new age. This is because students are not only required to have rich knowledge in economics and business management, but also to have corresponding abilities of practical operation, flexible communication, adaption to social environment, independent analysis and judgment as well as teamwork so as to meet the requirements of business administration posts in the new era. Therefore, it is imperative to discuss the practical teaching reform of business administration major in colleges and universities under economic transformation of resource-based city. By analyzing current development situation of practical teaching of business administration major, the paper discusses major problems existing in practical teaching of business administration major, and put forwards corresponding countermeasures. Keywords-resources-based city; economic transformation; business administration in colleges and universities; reform of practical teaching I. *The thesis is the phased achievements of the scientific research project "Research on Precision Marketing Path and Mechanism of Enterprise in Big Data Era" of Heilongjiang Provincial Planning Office of Philosophy and Social Science. Project number: 16GLD01.