数字化转型对商业银行盈利能力影响研究

Research on the Impact of Digital Transformation on the Profitability of Commercial Banks

数字技术的快速发展给银行带来了新的机遇。以2012—2021年26家A股上市商业银行的数据为样本,构建了基准回归模型,考察了数字化转型对商业银行盈利能力的影响,并进一步检验了其影响作用机制。研究显示,数字化转型会显著提升商业银行的盈利水平,且能够调节银行的运行效率以及运营成本进而影响银行利润。此外,数字化转型对全国性商业银行盈利促进作用要比区域性商业银行更加显著。因此,商业银行应该加大数字化投入,更好地发挥数字化转型对商业银行降本增效的调节作用。

The rapid development of digital technology has brought new opportunities for banks.Based on the data of 26 A-share listed commercial banks from 2012 to 2021,a benchmark regression model was constructed to investigate the impact of digital transformation on the profitability of commercial banks,and further tests the mechanism of its impact.Research shows that digital transformation could significantly improve the profitability of commercial banks,and adjust the operational efficiency and operating costs of banks,which in turn will affect profits of banks.In addition,digital transformation plays a more significant role in promoting the profitability of national commercial banks than regional commercial banks.Based on the above analysis,commercial banks should increase investment in digitalization and better play the role of digital transformation in reducing costs and increasing efficiency.