中小商业银行数字化转型对风险承担的影响研究——基于资本约束视角  

Study on the Influence of Digital Transformation of Small and Medium-sized Commercial Banks on Risk Taking——From the Perspective of Capital Constraints

作　　者：金颖 李红玉[1] 赵利娟 JIN Ying;LI Hongyu;ZHAO Lijuan(Business School,Ningbo University,Ningbo 315000,China)

机构地区：[1]宁波大学商学院,浙江宁波315000

出　　处：《科技与经济》2024年第3期71-75,共5页Science & Technology and Economy

基　　金：浙江省自然科学基金项目——“农村数字普惠金融市场竞争风险的生成机制与防范对策研究——以浙江地区为例”(项目编号:LY22 G030010,项目负责人:李红玉)成果之一;浙江省教育厅(文)/科研计划项目——“普惠金融与并购:影响机理与绩效评价——以浙江民营企业为例”(项目编号:Y201941292,项目负责人:赵利娟)成果之一。

摘　　要：在数字技术快速发展的背景下,中小商业银行的风险承担再次成为焦点。以2010—2021年186家中小商业银行作为研究样本,实证分析中小商业银行数字化转型对风险承担的影响及其作用机制。结果表明:中小商业银行数字化转型对降低风险承担有显著影响;中小商业银行数字化转型通过提高经营效率和优化贷款结构,进而降低风险承担;资本约束对数字化转型降低风险承担的影响有显著正向调节作用。经过一系列稳健性测试,研究结果仍然成立。In the context of rapid the risk beaaring level of small and mediu-sized commercial banks has once again become a foacs.Based on sample date from 186 small and medium-sized commercial banks from 2010 to 2021,this study empirically analyzes the impact and mechanism of digital transformation of small and medium-sized commercial banks on risk taking.The results indicate that the digital transformation of small and medium-sized commercial banks has a significant impact on reducing their own risk-taking level;the digital transformation of small and medium-sized commercial banks can improve operational efficiency and optimize loan structure,thereby reducing the level of risk-taking;capital constraints have a significant positive moderating effect on the reduction of risk-taking levels in digital transformation.

关 键 词：数字化转型 中小商业银行 风险承担 经营效率 贷款结构 资本约束 

分 类 号：F832.33[经济管理—金融学] F49