数字普惠金融下的小微信贷与风险——基于银行数字化转型的视角  

Fintech,Small Enterprise Credit and Credit Risk——Evidence from Bank Digitization in China

作　　者：赵家琪 江弘毅 胡诗云 沈艳 ZHAO Jiaqi;JIANG Hongyi;HU Shiyun;SHEN Yan(Peking University)

机构地区：[1]北京大学国家发展研究院 [2]北京大学汇丰商学院 [3]北京大学数字金融研究中心

出　　处：《经济学（季刊）》2023年第5期1686-1703,共18页China Economic Quarterly

基　　金：国家自然科学基金面上项目“数字金融支持实体经济高质量发展”(72273005)部分研究成果。

摘　　要：本文旨在研究数字金融兴起背景下银行业数字化转型为解决小微企业“贷款难贷款贵”带来的机遇和挑战。采用2011—2018年中国97家商业银行的数据,本文研究了商业银行数字化转型对小微企业信贷指标的影响,发现如下。第一,小微贷款占比未显著提升,但转型程度低的银行不良率抬升。第二,认知转型高、组织转型领先的银行更能增加小微贷款而不牺牲不良率。第三,转型主要通过成本效率提升增加小微贷款、改善不良率。第四,有数字金融基础设施红利。发现表明,需重视转型对监管和市场结构等的挑战,助力银行提高成本效率;同时需重视数字金融基础设施建设。Using the data of 97 commercial banks in China from 2011 to 2018,we try to study the impact of digital transformation of commercial banks on the loan credit indicators of small and micro enterprises,and have the following findings.First,the proportion of small and micro loans did not increase significantly,but the non-performing loans(NPL)ratio of banks with low transformation degree increased.Second,banks with high cognitive transformation and leading organizational transformation are better able to increase small and micro loans without sacrificing the NPL ratio.Third,the transformation mainly increases small and micro loans and decreases the NPL ratio through cost efficiency improvement.Fourth,there is a digital financial infrastructure dividend.

关 键 词：商业银行 数字普惠金融 小微贷款 

分 类 号：F832.4[经济管理—金融学] F49F276.3