华北水利水电大学学报（社会科学版）2024，Vol.40Issue(3)：57-66,10.DOI:10.13790/j.ncwu.sk.2024.033
数字金融对农村商业银行风险水平的影响研究
Research on the Impact of Digital Finance on the Risk Level of Rural Commercial Banks
摘要
Abstract
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 de-gree of digitalization;secondly,in the intermediary mechanism test,it is found that digital finance mainly re-duces the risk level of rural commercial banks by improving the operational efficiency of banks,and the inten-sification of bank competition will enhance the inhibitory effect of digital finance on the risk level of rural com-mercial 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.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Key words
digital finance/rural commercial banks/risk leve/operational efficiency/bank competition分类
经济学引用本文复制引用
邓道才,朱欣怡..数字金融对农村商业银行风险水平的影响研究[J].华北水利水电大学学报（社会科学版）,2024,40(3):57-66,10.基金项目
安徽省高校人文社会科学研究重点项目(SK2021A0031) （SK2021A0031）
