数字金融业态冲击、银行数字化转型与信贷结构调整  

Impact of Digital Finance Industry Trends,Bank Digital Transformation,and Credit Structure Adjustment

作　　者：罗兴 王重阳 郑佳豪 何奇龙 LUO Xing;WANG Chongyang;ZHENG Jiahao;HE Qilong(Business School of Zhengzhou University)

机构地区：[1]郑州大学商学院

出　　处：《金融经济》2024年第5期89-100,共12页Finance Economy

摘　　要：在金融数字化时代,商业银行数字化转型如何影响信贷结构?本文将数字金融业态冲击和银行数字化转型置于同一分析框架,分析其对商业银行信贷的信用结构、期限结构和客户结构三个维度的影响。研究发现,数字金融业态发展能够提高商业银行信用贷款占比、中长期贷款占比和个人贷款占比,并且数字金融业态发展能够在促进商业银行数字化转型的过程中发挥鲇鱼效应和技术溢出效应,特别是对于信用贷款占比和个人贷款占比,作为外生冲击的数字金融新业态与作为应对措施的银行数字化转型存在正向协同作用。异质性分析表明,数字金融业态发展能够显著提升我国股份制商业银行和国有商业银行的信用贷款比例,城市商业银行的中长期贷款比例以及我国农村商业银行、股份制商业银行和国有商业银行的个人贷款比例。据此,本文建议政府应有序推动数字金融业态发展,不同类型商业银行也应根据自身情况顺应数字金融发展趋势进行数字化转型并调整信贷结构。In the era of financial digitalization,how does the digital transformation of commercial banks affect credit structure?This paper places the impact of new digital finance industry trends and bank digital transformation within the same analytical framework,analyzing their effects on the credit structure,maturity structure,and customer structure of commercial bank lending.The study finds that the development of the digital finance industry can increase the proportion of credit loans,medium-to-long-term loans,and personal loans at commercial banks.Furthermore,the development of the digital finance industry can promote a pike effect and technology spillover effect during the digital transformation of commercial banks,particularly enhancing the proportion of credit loans and personal loans through a positive synergistic effect between the exogenous shocks of new digital finance industry trends and the responsive measures of bank digitalization.Heterogeneity analysis shows that the development of the digital finance industry can significantly increase the proportion of credit loans in China's joint-stock banks and state-owned commercial banks,the proportion of medium-to-long-term loans in city commercial banks,and the proportion of personal loans in China's rural commercial banks,joint-stock banks,and state-owned commercial banks.Therefore,this paper suggests that the government should orderly promote the development of the digital finance industry,and different types of commercial banks should also adapt to the trend of digital finance,undertake digital transformation,and adjust their credit structures accordingly.

关 键 词：信贷结构 数字金融 市场化程度 银行数字化转型 挤出效应 鲇鱼效应 技术溢出效应 

分 类 号：F830[经济管理—金融学]