The Impact of Digital Transformation on Chinese Commercial Banks’ Risk-Taking

Authors

  • Jiangyan Chen School of Finance, Nanjing University of Finance and Economics, Nanjing 210023, China
  • Huangrong Liu School of Finance, Nanjing University of Finance and Economics, Nanjing 210023, China
  • Zhen Shen School of Management, Jiangsu University, Nanjing 212013, China

Keywords:

commercial bank, digital transformation, risk-taking

Abstract

Based on the annual financial data of 42 listed Chinese commercial banks from 2013 to 2022, applying the benchmark regression analysis method, this paper studies the impact of digital transformation on Chinese commercial banks’ risk-taking level. The results show that the digital transformation degree is positively correlated with the commercial banks’ risk-taking level. Different types, sizes and natures of commercial banks’ risk-taking levels that are affected by digital transformation, with large state-owned banks and joint-stock banks being more flexible. Accelerating the digital transformation of commercial banks can help them reduce the probability of commercial bank risks and enhance their risk-taking capabilities.

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Published

2024-06-25

How to Cite

Jiangyan Chen, Huangrong Liu, & Zhen Shen. (2024). The Impact of Digital Transformation on Chinese Commercial Banks’ Risk-Taking. ournal of orld conomy, 3(2), 85–88. etrieved from https://www.pioneerpublisher.com/jwe/article/view/855

Issue

Vol. 3 No. 2 (2024): June

Section

Articles