摘要
基于2014—2021年108家农村商业银行财务数据,采用系统GMM估计方法研究数字金融与农村商业银行风险水平之间的关系。结果发现:第一,数字金融能够有效降低农村商业银行风险水平,并在使用深度和数字化程度的维度上均能产生显著影响;第二,在中介机制检验中发现,数字金融主要通过提升银行经营效率来降低农商行风险水平,银行竞争加剧会增强数字金融对农村商业银行风险水平的抑制作用;第三,数字金融对农村商业银行风险水平的抑制作用在中西部地区和大规模的农村商业银行中表现得更明显。
In this context,based on the financial data of 108 rural commercial banks from 2014 to 2021,this paper uses the systematic GMM estimation method to study the relationship between digital finance and the risk level of rural commercial banks.The results show that firstly digital finance can effectively reduce the risk level of rural commercial banks,and can have a significant impact on the dimensions of depth of use and degree of digitalization;secondly,in the intermediary mechanism test,it is found that digital finance mainly reduces the risk level of rural commercial banks by improving the operational efficiency of banks,and the intensification of bank competition will enhance the inhibitory effect of digital finance on the risk level of rural commercial banks;thirdly,the inhibitory effect of digital finance on the risk level of rural commercial banks is more obvious in the central and western regions and large-scale rural commercial banks.
作者
邓道才
朱欣怡
DENG Daocai;ZHU Xinyi(School of Economics,Anhui University,Hefei 230601,China)
出处
《华北水利水电大学学报（社会科学版）》
2024年第3期57-66,共10页
Journal of North China University of Water Resources and Electric Power(Social Science Edition)
基金
安徽省高校人文社会科学研究重点项目(SK2021A0031)。
关键词
数字金融
农村商业银行
风险水平
经营效率
银行竞争
digital finance
rural commercial banks
risk leve
operational efficiency
bank competition
