数字金融对商业银行不良贷款率的影响分析

Analysis of the Impact of Digital Finance on the Non-Performing Loan Ratio of Commercial Banks

摘要: 我国经济环境目前呈现出一定的不确定性，同时，我国商业银行的稳健运营亦面临诸多严峻挑战，其中不良贷款的增加尤为显著，对商业银行的经营压力构成了显著影响。然而，在大数据技术的推动下，数字金融取得了快速发展，并日益加深与传统商业银行的交互合作，这对商业银行的经营管理、风险管理带来了双重影响。鉴于此，本文基于相关理论框架，聚焦于我国16家上市商业银行，通过选取其2012~2021年的相关数据，运用实证研究方法，构建了相应的分析模型，深入剖析了数字金融对商业银行不良贷款的具体作用机制。实证结果显示，数字金融的发展在一定程度上导致了商业银行不良贷款的增加。基于上述研究，本文提出了降低商业银行不良贷款率的策略建议，旨在为我国商业银行在日后的运营中持续优化自身发展、提升信贷风险控制能力提供有益参考。

Abstract: At present, the economic environment in our country presents some uncertainty, and at the same time, the steady operation of Chinese commercial banks is also facing many severe challenges. The increase of non-performing loans is particularly significant, which has a significant impact on the management pressure of commercial banks. However, driven by big data technology, digital finance has achieved rapid development and increasingly deepened the interaction and cooperation with traditional commercial banks, which has a dual impact on the operation management and risk management of commercial banks. In view of this, based on the relevant theoretical framework, this paper focuses on 16 listed commercial banks in China, selects the relevant data from 2012 to 2021, adopts the empirical research method, builds the corresponding analysis model, and deeply analyzes the specific mechanism of digital finance on the non-performing loans of commercial banks. The empirical results show that the development of digital finance has led to the increase of non-performing loans of commercial banks to a certain extent. Based on the above research, this paper puts forward strategic suggestions to reduce the non-performing loan ratio of commercial banks, aiming at providing useful references for Chinese commercial banks to continuously optimize their own development and improve their credit risk control ability in the future operation.