数字化转型对中国银行利能力表现的影响
1Boston University, Boston, Massachusetts, United States of America.
PloS one
|January 23, 2026
概括
中国银行业的数字化转型令人惊地降低了利能力,影响了净利率和资产回报率. 本研究探讨了运营效率,贷款业绩和数字金融相互作用,以了解这些影响.
科学领域:
- 银行和金融技术 银行和金融技术
- 经验金融是经验金融.
- 数字化转型研究 数字化转型研究
背景情况:
- 银行业面临着金融技术 (FinTech) 的重大破坏.
- 数字化转型是全球商业银行的一个关键战略举措.
- 了解数字化转型对利能力的影响对银行业至关重要.
研究的目的:
- 研究数字化转型对中国银行业利能力的影响机制.
- 分析运营效率和不良贷款比率的中介作用.
- 检查数字化转型与包容性数字金融和贷款存款比率的相互作用效应.
主要方法:
- 经验分析使用来自116家中国商业银行的面板数据 (2011-2023年).
- 回归分析用于评估数字化转型与利能力表现之间的关系.
- 调解和相互作用效应分析,以探索潜在机制.
主要成果:
- 数字化转型并没有提高大多数银行的利能力,降低了净利率和资产回报率.
- 运营效率和不良贷款比率调解了数字化转型与利能力之间的关系.
- 数字化转型,包容性数字金融和贷款与存款比率之间的相互作用显著影响银行利能力.
结论:
- 数字化转型对利能力的直接影响对许多中国银行来说是负面的,以效率和贷款质量为媒介.
- 数字金融和银行特定金融比率的相互作用对于导航数字化转型至关重要.
- 调查结果为优化银行业数字战略提供了洞察力,以提高业绩.
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