中文摘要：

银行经营活动限制对不同收入国家的公众银行服务利用情况所产生的影响是不同的。在高收入国家,银行经营活动限制与银行服务利用程度负相关;在低收入国家,银行经营活动限制与银行服务利用程度正相关。研究结果对金融深化下的银行金融资源的配置战略具有重要参考价值。

英文摘要：

The effects of banking business activity restriction on the public use of banking service in dif- ferent income countries are dissimilar. The empirical implementation of the study reveals that in high-in- come countries, the banking business activity restriction and public use of banking service are negatively correlated, in low-income countries are the opposite. It will be beneficial for us to implement the strategies of optimal development and exploitation of the financial resource in the financial deepening.