Year: 2025
Type: article
Abstract: 随着大数据、云计算等技术逐渐发展成熟，这驱动着商业银行布局数字化转型，其发展过程中既能带来机遇，也会给银行体系带来不确定性和挑战。本文选取2013~2023年我国上市商业银行的年度面板数据，系统分析了数字化转型与银行风险承担水平之间的关系以及影响机制。本文的研究发现：第一，在样本期间，数字化转型能够显著降低银行风险承担水平。第二，通过构建中介效应模型，发现数字化转型通过提升经营效率和降低管理成本，进而降低银行风险承担水平。第三，异质性分析中，数字化转型降低银行风险承担水平的效果在东部地区及非国有银行更好，底层技术和数字化应用对银行风险承担水平的影响效应显著为负。因此，商业银行应该根据自身特征和禀赋条件，制定符合自身风险状况和经营特点的数字化转型策略。With the gradual development and maturity of big data, cloud computing and other technologies, this drives the digital transformation of the layout of commercial banks, which can bring opportunities in the development process, but also bring uncertainties and challenges to the banking system. This paper selects the annual panel data of China’s listed commercial banks from 2013 to 2023 to systematically analyze the relationship between digital transformation and banks’ risk taking level and the influencing mechanism. The findings of this paper are as follows: First, during the sample period, digital transformation can significantly reduce the level of bank risk taking. Second, through the construction of the intermediary effect model, it is found that the digital transformation can improve the operating efficiency and reduce the management cost, and then reduce the level of bank risk. Third, in the heterogeneity analysis, the effect of digital transformation on reducing bank risk-taking is better in the eastern region and non-state-owned banks, and the impact of underlying technology and digital application on bank risk-taking is significantly negative. Therefore, commercial banks should, according to their own characteristics and endowment conditions, formulate digital transformation strategies in line with their own risk status and business characteristics.
Source: E-Commerce Letters
Author: 奉珊 蔡
Language: English
Domain: Social Sciences
Open Access status: hybrid
OpenAlex ID: W4409585257