社会信用体系建设对银行服务实体经济的影响研究——来自地方性商业银行的证据

The Impact of School Credit System Construction on Banks Service to the Real Economy--Evidence from Local Commercial Banks

本文基于银行信贷投向实体经济的视角,通过2016-2022年地方性商业银行的面板数据,实证检验社会信用体系建设是否以及如何影响银行配置“虚拟行业”和“实体”行业的信贷资源。研究结果表明:社会信用体系建设显著促进了地方性商业银行信贷投向“脱虚向实”,增强风险控制能力以及提高经营服务效率是其中的机制路径。该促进效应主要体现在城商行、高盈利的内部特征分组以及强金融监管、弱银行竞争的外部环境分组中。进一步分析表明,社会信用体系建设与银行数字化转型协同推动地方性银行服务实体经济。

Based on the perspective that bank loans are invested in the real economy,this paper empirically examines whether and how social credit system construction affects banks'allocation of loans to"virtual"and"real"industries through the panel data of local commercial banks from 2016 to 2022.The results of the study show that social credit system construction significantly promotes local commercial banks'credit investment in the"virtual to real"industry,and the mechanism of enhancing risk control ability,and improving the efficiency of operation services is the path.This facilitating effect is mainly reflected in the internal characteristics grouping of urban commercial banks and more profitable banks,as well as in the external environment grouping of strong financial regulation and weak bank competition.Further analysis shows that social credit system construction and the digital transformation of banks have synergized to promote local banks'service to the real economy.