数字化转型对商业银行稳定性的影响——基于运营成本与运营效率的视角

The Impact of Digital Transformation on the Stability of Commercial Banks——Based on the Perspective of Operating Costs and Operating Eficiency

数字技术的发展为银行业带来重要机遇的同时,也给商业银行稳定性带来巨大挑战。论文从盈利能力与风险承担能力两个方面考察商业银行稳定性,基于2010-2021年商业银行非平衡面板数据,实证检验数字化转型对商业银行稳定性的影响及其内在作用机制。研究发现:商业银行数字化转型能够显著提升盈利能力与风险承担能力,促进商业银行稳定性;机制分析表明,商业银行数字化转型能够通过降低运营成本和提高运营效率来提升盈利能力与风险承担能力,进而促进银行稳定性;异质性检验发现,数字化转型对东部地区商业银行的风险承担能力提升作用更明显。

The development of digital technology not only brings important opportunities to the banking,but also poses huge challenges to bank stability.This paper examines the stability of commercial banks from two aspects:profitability and risk taking.Based on imbalanced panel data of commercial banks from 2010 to 2021,it empirically tests the impact of digital transformation on the stability of commercial banks and its underlying mechanisms.Research found that the digital transformation of commercial banks can significantly enhance profitability and risk taking,promoting bank stability;mechanism analysis shows that the digital transformation of commercial banks can enhance profitability and risk taking by reducing operating costs and improving operating efficiency,thereby promoting bank stability;heterogeneity testing found that digital transformation has a more significant impact on the risk taking of commercial banks in the eastern region and large commercial banks.