摘要
商业银行与数字经济的金融协同发展事关我国金融发展新格局。利用2011—2019年我国16家代表性商业银行、数字经济平台的相关数据,测度商业银行数字化与数字经济平台的金融整体协同度及发展趋势,结果发现:商业银行数字化与数字经济呈现较高协同性及协同趋势;商业银行三大核心业务均与数字经济平台具有协同发展趋势,且负债与中间业务与数字经济平台的协同性强于资产业务;商业银行与数字经济平台的协同度受到许多因素不同程度的影响,而且存在结构异质性。为此建议健全二者协同制度,培育协同发展的金融市场环境,强化业务“双赢”协同。
Commercial Banks and the financial synergy development of the economy is a new pattern of national financial development.This paper,by using 16 representative commercial banks in China from 2011 to 2019 and the data platform of the digital economy,measure the commercial banks and the digital economy overall coordination degree and the development trend.The results showed:(1)the overall development of commercial bank and the overall level of the digital economy appear coordination state;(2)three core business of commercial bank and the digital economy has coordinated development trend,and the intermediary business and liabilities and the synergistic effect of digital economy stronger than the assets of the business;(3)the characteristics of commercial banks,business properties for different levels of collaborative degree of structural heterogeneity,and the influence between state-owned banks and non-state bank structure are the obvious heterogeneity.To do this,we suggest to improve the financial system of the coordinated development;cultivate the financial market environment of the coordinated development;establish the win-win cooperation management mechanism between the commercial banks and the digital economy flat.
作者
裴辉儒
惠爱玲
PEI Hui-ru;HUI Ai-ling(International Business School,Shaanxi Normal University,Xi’an 710119,Shaanxi)
出处
《陕西师范大学学报（哲学社会科学版）》
CSSCI
北大核心
2022年第1期123-135,共13页
Journal of Shaanxi Normal University(Philosophy and Social Sciences Edition)
关键词
数字经济
数字经济平台
商业银行
金融协同性
结构异质性
digital economy
digital economy platform
commercial banks
trend of financial coordination
structural heterogeneity
