摘要
基于2010-2020年全国159家商业银行的非平衡面板数据,实证检验了我国商业银行数字化转型对乡村振兴的作用效果以及机制。研究结果发现:商业银行数字化转型能显著促进乡村振兴,其中业务数字化对乡村振兴的促进作用最大,战略数字化次之,管理数字化的影响则相对较弱;商业银行数字化转型主要通过提升创业活跃度和优化银行信贷资源配置发挥促进作用,进而推动乡村振兴;异质性分析表明,商业银行数字化转型在我国东中西部地区和不同经济发展水平地区以及在商业银行数字化转型的不同阶段对乡村振兴的影响效果具有差异。
Drawing on unbalanced panel data from 159 commercial banks between 2010 and 2020,this empirical study examines the impact and mechanisms of commercial banks’digital transformation on rural revitalization.The study reveals that the digital transformation of commercial banks significantly enhances rural revitalization,with business digitization having the most significant impact,followed by strategic digitization,while the effects of management digitization are comparatively weaker.The digital transformation of commercial banks primarily fosters rural revitalization by boosting entrepreneurial vigor and optimizing the allocation of bank credit resources.Heterogeneity analysis indicates that the effects of commercial banks’digital transformation on rural revitalization differ across China’s eastern,central,and western regions,among various economic development levels,and also vary by the phase of the banks’digital transformation.
作者
赵志明
邹政
ZHAO Zhiming;ZOU Zheng(Business School,Xiangtan University,Xiangtan 411105,China)
出处
《晓庄学院自然科学学报》
北大核心
2025年第3期45-53,共9页
Journal of Natural Science of Hunan Normal University
基金
湖南省自然科学基金资助项目(2024JJ5386)。
关键词
乡村振兴
数字化转型
商业银行
创业活跃度
信贷配置
rural revitalization
digital transformation
commercial banks
entrepreneurial activity
credit allocation
