数字金融发展与中国商业银行竞争新优势  

The Development of Digital Finance and the New Advantages in Competing with Chinese Commercial Banks

作　　者：李水平[1] LI Shui-ping(School of Business,Hunan International Economics University,Changsha 410205,China)

机构地区：[1]湖南涉外经济学院商学院,湖南长沙410205

出　　处：《系统工程》2023年第4期117-126,共10页Systems Engineering

基　　金：湖南省教育厅双一流重点项目(19A288)。

摘　　要：结合数字金融发展产生的银行业微观技术与宏观金融市场特性,构建了商业银行竞争新优势的理论分析模型,基于2008-2020年26家上市银行数据对我国商业银行竞争新优势进行了测度,并利用固定效应模型和系统GMM估计就数字金融发展对商业银行竞争新优势的影响效应进行了检验。研究发现,国有银行在技术和风险分担方面具有显著优势;数字金融发展驱动下,银行技术水平、银行技术水平与金融科技发展水平的叠加效应对商业银行竞争新优势的影响最为显著。根据研究结论,从释放金融科技赋能潜力、增强银行业综合竞争实力两个方面提出了具体可行的政策建议。Combined with the micro-banking technology and macro-financial market characteristics generated by the development of digital finance,this paper constructs a theoretical analysis model for the new advantages of commercial banks.Based on the annual data of 26 listed banks from 2008 to 2020,this paper measures the new advantages of China's commercial banks,and uses fixed-effect models and system GMM estimates to test the impact of digital finance development on the new advantages of commercial banks.The study shows that among all commercial banks,state-owned banks have significant advantages in terms of technology and risk sharing;driven by the development of digital finance,the technological level of banks,the superposition effect of the level of financial technology development and the technical level of banks have the most significant impact on the new competitive advantage of commercial banks.According to the conclusions,specific and feasible policy suggestions are put forward from the two aspects of releasing the potential of financial technology empowerment and enhancing the comprehensive competitiveness of the banking industry.

关 键 词：数字金融 商业银行 竞争优势 技术水平 

分 类 号：F831[经济管理—金融学]