数字化转型与商业银行的业态竞争
Digital Transformation and the Competition of Commercial Banks
摘要: 数字化转型作为我国经济高质量发展的重要工具，对我国商业银行、企业等各个市场主体的绩效、风险和竞争均会产生重要的影响。本文基于2011年~2021年295个地级市的面板数据，利用固定效应面板模型实证检验了数字化转型与商业银行业态竞争之间的因果关系。研究结果表明，数字化转型会加剧商业银行的业态竞争，且这一结论经一系列稳健性检验和内生性检验后仍然成立。机制分析结果表明，数字化转型主要通过消费效应和贷款效应来加剧商业银行的业态竞争。
Abstract: As an important tool for the high-quality development of China’s economy, digital transformation will have an important impact on the performance, risk and competition of various market players such as commercial banks and firms. Based on the panel data of 295 prefecture-level cities from 2011 to 2021, this paper empirically tests the causal relationship between digital transformation and commercial banking format competition by using a fixed-effect panel model. The results show that digital transformation will intensify the competition of commercial banks, and this conclusion is still stable after a series of robustness and endogeneity tests. The results of mechanism analysis show that digital transformation intensifies the competition of commercial banks mainly through consumption effect and loan effect.
文章引用：张祎. 数字化转型与商业银行的业态竞争[J]. 世界经济探索, 2025, 14(1): 95-107. https://doi.org/10.12677/wer.2025.141009

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