| 摘要: |
| 摘要：在全球新科技革命浪潮的推动下，数字金融深刻地改变着金融业态，为商业银行信用风险管理带来全新的挑战和变革。基于2013－2023年中国115家商业银行的平衡面板数据，通过建立实证模型研究数字金融对商业银行信用风险的影响。研究表明：第一，数字金融发展对商业银行信用风险呈先促进后抑制的非线性关系。第二，从影响机制来看，数字金融通过加深商业银行数字化转型程度和提升业务创新能力抑制商业银行信用风险。第三，政府监管投入对数字金融的信用风险抑制具有负向调节效应。第四，从异质性角度来看，数字金融对非国有、小规模商业银行信用风险抑制更明显。研究为商业银行协调数字金融技术应用与信用风险管理提供经验证据和决策参考。 |
| 关键词: 关键词：数字金融；信用风险；商业银行；数字化转型 |
| DOI： |
| 分类号:F832.3 |
| 基金项目:基金项目：国家社会科学基金一般项目“新关联网络下金融科技风险叠加衍化、传染溢出及监管政策研究”（22BJY111）。 |
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| Research on the Impact of Digital Finance on Credit Risk of Commercial Banks——Based on the Perspective of Digital Transformation and Innovation |
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BU Ya1，HUANG Yi-wen1，TAN Zhong-ming21,2
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1.(1.School of Economics and Management,Jiangsu University of Science and Technology;2.School of Finance and Economics,Jiangsu University)
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| Abstract: |
| Abstract：Amid the global tech revolution,digital finance has reshaped the financial sector,posing new challenges for commercial banks’ credit risk management.Based on balanced panel data from 115 Chinese commercial banks between 2013 and 2023,this study establishes an empirical model to examine the impact of digital finance on commercial banks’ credit risk.The findings are as follows:Firstly,the development of digital finance exhibits a non-linear relationship of first promoting and then suppressing the credit risk of commercial banks.Secondly,in terms of the mechanism,digital finance mitigates commercial banks’ credit risk by deepening their digital transformation and enhancing business innovation capabilities.Thirdly,government regulatory input exerts a negative moderating effect on the credit risk mitigation driven by digital finance.Finally,from a heterogeneity perspective,digital finance has a more pronounced effect on suppressing credit risk in non-state-owned and small-scale commercial banks.This study provides empirical evidence and decision-making references for commercial banks to balance the application of digital finance technologies with credit risk management. |
| Key words: Key words：Digital Finance；Credit Risk；Commercial Bank；Digital Transformation |
