摘要
在深化金融供给侧结构性改革的背景下,商业银行战略转型能否有效促进金融服务供给结构优化,以及提升财务绩效和风险承担备受关注。以2007-2024年中国商业银行为样本,采用固定效应模型、系统广义矩估计方法和双重差分方法,实证研究实施数字化升级和综合化经营两类战略转型对商业银行服务供给结构优化,及其盈利能力和风险承担的影响。研究结果显示:实施数字化升级和综合化经营战略可以提升商业银行的盈利能力;同时,数字化升级有助于促进商业银行服务供给结构优化;此外,金融服务供给结构优化在商业银行战略转型与其风险承担和成本控制之间发挥了显著中介作用,有效降低了不良贷款率和融资成本。
In the context of deepening supply-side structural reform in finance,there is considerable interest in whether strategic transformation of commercial banks can effectively promote the optimization of financial service supply structure and enhance financial performance and risk-taking.Using Chinese commercial banks from 2007 to 2024 as a sample,this paper empirically investigates the impact of two types of strategic transformations-digital transformation and integrated operation-on the optimization of commercial banks'service supply structure,as well as their profitability and risk-taking,by employing a fixed-effects model,a system generalizedmethod of moments(GMM)estimation,and a difference-in-differences(DID)approach.The research findings indicate that implementing digital transformation and integrated operation strategies can enhance the profitability of commercial banks;meanwhile,digital transformation aids in the optimization of commercial banks service supply structure.Furthermore,the optimization of financial service supply structure plays a significant mediating role between commercial banks'strategic transformation and their risk-taking,effectively reducing the non-performing loan ratio and financing costs.
作者
陈斌
赵丝缨
徐峰
Bin Chen;Siying Zhao;Feng Xu(China Guangfa Bank Dalian Branchk,Dalian 116001,China;Zhejiang Research Institute of ZUFE-UCASS,Hangzhou 310018,China;Zhejiang University of Finance&Economics,Hangzhou 310018,China)
出处
《财务与金融》
2025年第3期21-30,共10页
Accounting and Finance
基金
浙江省哲学社会科学规划年度常规一般课题(24NDJC114YB)
浙江省软科学研究项目一般课题(2025C35010)。
关键词
商业银行
战略转型
金融服务供给结构优化
盈利能力
风险承担
Commercial Bank
Strategic Transformation
Optimization of Financial Service Supply Structure
Profitability
Risk-taking
