摘要
数字金融的高速发展在给我国金融体系带来创新的同时,也给传统商业银行业的经营稳健性带来了一定冲击。为了探究数字金融发展对商业银行经营稳健性的影响,首先从理论上梳理数字金融发展对商业银行经营稳健性的影响机理,然后采用面板数据实证分析数字金融发展对商业银行稳健经营的影响效应。研究发现:第一,总体而言,数字金融发展对商业银行经营稳健性呈现出显著的负向影响;第二,影响渠道表明,数字金融发展降低了商业银行的资产质量、盈利能力和流动性,进而对其经营稳健性形成负向冲击,但同时可通过提高资本充足率来促进其稳健经营;第三,异质性分析揭示,资产增速、固定资产比率和非利息收入比越小的商业银行,数字金融发展对其经营稳健性的负向影响越小。基于此,为更好地落实“稳金融”政策,商业银行应与时俱进,积极融合数字技术,与数字金融实现协同发展。
The rapid development of digital finance not only brings financial system innovation,but also impacts the operation robustness of China s commercial banks.In order to explore the impact of the development of digital finance on the operation robustness of commercial banks,this paper first combs the mechanism of the impact of digital finance on the operation robustness of commercial banks in theory,and then empirically analyzes the impact of the development of digital finance on the sound operation of commercial banks with the panel data.The results show that:(1)In general,the development of digital finance has a significant negative impact on the sound operation of commercial banks.(2)Influence channel shows that the development of digital finance has a negative impact on the asset quality,profitability and liquidity of commercial banks,and then has a negative impact on their operation robustness,but at the same time,it can promote the operation robustness of commercial banks by improving the asset adequacy ratio.(3)Heterogeneity analysis reveals that the smaller the asset growth rate,fixed asset ratio and non-interest income ratio of commercial banks,the smaller the negative impact of digital finance development on their operation robustness.Based on this,in order to better implement the“stable finance”policy,commercial banks should keep pace with the times,actively integrate digital technology,and achieve coordinated development with digital finance.
作者
贺建风
朱安棋
李骏
HE Jian-feng;ZHU An-qi;LI Jun(School of Economics and Finance,South China University of Technology,Guangzhou 510006,Guangdong,China;China Merchants Bank Shenzhen Branch,Shenzhen 518000,Guangdong,China;School of Public Economics and Management,Shanghai University of Finance and Economics,Shanghai 200433,China)
出处
《华南理工大学学报（社会科学版）》
2022年第5期17-28,共12页
Journal of South China University of Technology(Social Science Edition)
基金
国家社科基金项目“大数据背景下随机抽样技术及模型辅助估计方法研究”(19BTJ022)
国家社科基金项目“新时代中国共同富裕的时空演变监测与实现路径研究”(22BTJ041)
全国统计科学研究重大项目“大数据背景下抽样调查方法的改进及其应用研究”(2020LD02)
广东省科技计划项目“粤港澳大湾区‘双创’发展的水平测算、动力机制与战略研究”(2019A101002003)
广州市社会科学规划基金智库项目“广州加快建设数产融合全球标杆城市研究”(2021GZZK03)
中央高校基本科研业务费重大项目培育“共同富裕的统计监测与实现路径研究”(ZDPY202207)。
关键词
数字金融
商业银行
经营稳健性
稳金融
digital finance
commercial bank
operation robustness
stable finance
作者简介
贺建风(1981-),男,教授,博士生导师,主要研究方向为经济统计与计量经济分析。
