| 摘要: |
| 摘要：人工智能作为驱动银行业变革的核心技术，正深刻影响商业银行竞争格局。为探究其具体作用路径与效应，以2010－2024年105家商业银行为样本，综合运用面板固定效应模型与分位数回归展开实证分析。研究发现：人工智能应用显著加剧商业银行竞争，且分位数回归揭示其对处于75%分位的中上游银行竞争效应最强，呈现“中间高、两端低”的非对称特征。机制分析表明，该效应通过提升经营效率、风险承担水平和收入多元化三条渠道实现；异质性分析显示，农商行、城商行与经济发达地区银行的竞争促进效应更为显著。在数字经济浪潮下，银行应加大AI技术投入，监管部门应实施差异化监管，推动银行业公平竞争与高质量发展。 |
| 关键词: 关键词：人工智能应用；商业银行竞争；经营效率；风险承担水平；收入多元化 |
| DOI： |
| 分类号:F830.3 |
| 基金项目:基金项目：江西省教育科学规划项目“数字经济背景下金融人才数据素养的岗位需求匹配及其提升路径研究”（23YB166）；江西省哲学社会科学重点研究基地项目“金融科技创新视阈下人口老龄化对居民消费升级的影响研究”（2023490245）。 |
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| Impact of Artificial Intelligence Application on the Competition of Commercial Banks |
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XIAO Feng，XU Gao-jie
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(School of Economic Management and Law,Gannan Normal University)
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| Abstract: |
| Abstract：As the core technology driving the transformation of the banking industry,artificial intelligence is deeply affecting the competitive pattern of commercial banks.In order to explore its specific path and effect,take 105 commercial banks from 2010 to 2024 as a sample,and comprehensively use the panel fixed effect model and quential regression to carry out empirical analysis.The study found that the application of artificial intelligence significantly exacerbates the competition of commercial banks,and the percential regression reveals that it has the strongest competitive effect on middle and upstream banks at the 75% percentile,showing the asymmetric characteristics of “high middle and low at both ends”.The mechanism analysis shows that the effect is achieved through three channels：improving business efficiency,risk-taking level and income diversification.Heterogeneity analysis shows that the competitive promotion effect of agricultural and commercial banks,urban commercial banks and banks in economically developed areas is more significant.Under the wave of digital economy,banks should increase investment in AI technology,and regulators should implement differentiated supervision to promote fair competition and high-quality development in the banking industry. |
| Key words: Key words：Artificial Intelligence Application；Competition of Commercial Banks；Operational Efficiency；Risk-taking Level；Income Diversification |
