摘要
金融科技能够有效推动银行内部的数字化转型,是提升银行市场竞争力的重要驱动力。本文测度了银行层面的金融科技发展水平,采用非结构方式建立个体固定效应模型,深入探讨金融科技对商业银行综合竞争力的作用机制。研究发现:(1)金融科技发展对商业银行综合竞争力具有倒“U”型非线性影响,并在不同分位数上表现出稳健性;(2)金融科技的发展通过调节银行总体风险水平,间接影响其综合竞争力;(3)金融科技发展水平对不同产权性质的商业银行影响存在显著差异,相较于农村商业银行,大型国有及股份制银行和城市商业银行的金融科技发展对其综合竞争力的提升作用更为显著。
FinTech effectively drives the digital transformation within banks and serves as a critical driving force for enhancing their market competitiveness.The paper measures the devel-opment level of FinTech at the bank level and adopts a non-structural approach to establish an individual fixed-effects model,providing an in-depth analysis of the mechanism by which Fin-Tech influences the comprehensive competitiveness of commercial banks.The findings are as follows:(1)The development of FinTech exhibits an inverted"U-shaped"nonlinear im-pact on the comprehensive competitiveness of commercial banks,with robustness observed across different quantiles;(2)The development of FinTech indirectly affects the comprehen-sive competitiveness of banks by moderating their overall risk level;(3)There are significant differences in the impact of FinTech development across banks with different ownership struc-tures.Compared to rural commercial banks,FinTech development in large state-owned and joint-stock banks,as well as urban commercial banks,plays a more significant role in enhan-cing their comprehensive competitiveness.
作者
胡淑兰
钱智勇
戴福音
Hu Shulan;Qian Zhiyong;Dai Fuyin(School of Statistics and Mathematics,Zhongnan University of Economics and Law,Wuhan 430073,China;The Innovation and Talent Base for Digital Technology and Finance,Zhongnan University of Economics and Law,Wuhan 430073,China;Digital Intelligence Development Research Center,Zhongnan University of Economics and Law,Wuhan 430073,China)
出处
《数量经济研究》
2025年第3期22-40,共19页
The Journal of Quantitative Economics
基金
高等学校学科创新引智基地(B21038)
中南财经政法大学中央高校基本科研业务费专项资金(2722024EJ011)的联合资助。
关键词
金融科技
商业银行综合竞争力
分位数回归模型
FinTech
Comprehensive competitiveness of commercial banks
Quantile regres-sion model
作者简介
胡淑兰(1981-),女,中南财经政法大学教授,博士生导师,研究方向为大数据算法理论与金融应用、金融计量与金融科技。;通讯作者:钱智勇(1999-),男,中南财经政法大学博士研究生,研究方向为大数据算法与金融应用。;戴福音(2001-),女,中南财经政法大学硕士研究生,研究方向为数据科学与商务统计。
