商业银行数字韧性的理论逻辑、形成机制与提升路径研究  

Research on the Theoretical Logic,Formation Mechanisms and Improvement Paths of Digital Resilience of Chinese Commercial Banks

作　　者：郭品[1] 李欣明 Guo Pin;Li Xin-ming

机构地区：[1]西安交通大学经济与金融学院 [2]南开大学金融学院

出　　处：《经济学家》2024年第9期87-97,共11页Economist

基　　金：国家社会科学基金项目“银行数字韧性的理论逻辑、形成机制与提升路径研究”(23FJYB019);国家社会科学基金项目“互联网金融对银行风险承担的影响研究”(21FJYB005)。

摘　　要：本文基于2011—2021年我国179家商业银行的数据,系统剖释了银行数字韧性的理论逻辑、形成机制与提升路径。研究发现:第一,银行数字韧性是银行运用数字技术防范冲击、适应冲击并在冲击后实现更稳定状态的能力,其逻辑溯源于数字能力、危机管理和金融安全理论。第二,银行数字韧性的形成有赖于数字技术在冲击期间发挥的赋能作用。从赋能效应看,数字技术发展有助于缓解重大冲击导致的银行风险加重,增强银行韧性。从赋能机制看,数字技术通过减弱重大冲击对银行业务规模、业务成本以及业务关联的不利影响,提高了银行韧性。从异质特征看,数字技术的韧性赋能作用在应对金融危机、贸易摩擦、突发卫生事件时更有效,在小规模、非国有、高风险的银行中更显著。第三,银行数字韧性的提升离不开技术人才、基础设施和监管环境的保障。相对而言,技术人才供给充分、新型基础设施建设完善和数字监管环境优良地区的银行能够更有效地形成数字韧性。Based on the panel data of 179 commercial banks in China from 2011 to 2021,this paper systematically explains the theoretical logic,formation mechanisms and improvement paths of digital resilience of banks.The results show that:first,digital resilience of banks refers to the ability of banks to use digital technology to prevent shocks,adapt to shocks,and achieve updated stable state after shocks.Its logic can be traced back to digital capabilities,crisis management,and financial security theories.Second,the formation of digital resilience of banks lies in the enabling role of digital technologies during shocks.From the perspective of enabling effects,digital technology can help mitigate the increase in bank risks caused by shocks and enhance the resilience of banks.From the perspective of enabling mechanisms,digital technology enhances the resilience of banks by reducing the adverse impacts of shocks on their business scale,business costs,and business linkages.From the perspective of heterogeneous characteristics,the resilience enabling effect of digital technology is more effective in responding to financial crises,trade frictions,and health emergencies,and is more significant in small-scale,non-state-owned,and high-risk banks.Third,the improvement of digital resilience of banks depends on the guarantee of technical talents,infrastructure,and regulatory environment.Compared to banks in areas with insufficient talent supply,slow construction of new infrastructure,and insufficient digital supervision,banks in areas with sufficient talent supply,fast construction of new infrastructure,and good digital supervision environment can form digital resilience more effectively.

关 键 词：商业银行 数字韧性 重大冲击 

分 类 号：F832.3[经济管理—金融学]