重庆理工大学学报2025，Vol.39Issue(6)：105-117,13.DOI:10.3969/j.issn.1674-8425(s).2025.03.010
促进还是抑制:数字金融对农村商业银行风险承担的影响
Promote or inhibit:The impact of digital finance on risks of rural commercial banks
摘要
Abstract
Preventing and resolving rural financial risks is of great significance in promoting the high-quality development of finance in China,and the rapid development of digital finance has revolutionized the operation and management mode of traditional banks,providing ideas for improving the risk management level of rural financial institutions.The article takes 79 rural commercial banks in China from 2014 to 2022 as the research object,and analyzes the impact and mechanism of digital finance on the risk taking of rural commercial banks by constructing a panel regression model.The study finds that digital finance has a significant inhibitory effect on the risk taking of rural commercial banks,and this effect is more obvious in small rural commercial banks and rural commercial banks in the eastern region;the mechanism analysis shows that digital finance can reduce the risk taking of rural commercial banks by improving their innovation ability and profitability;the moderating effect analysis shows that loose monetary policy strengthens the inhibitory effect of digital finance on the risk taking of rural commercial banks.The analysis of the moderating effect shows that a loose monetary policy strengthens the inhibiting effect of digital finance on the risk-taking of rural commercial banks.Therefore,under the impetus of digital finance,rural commercial banks should continue to increase investment and use of digital technology,continuously improve the level of digitalization,and enhance their ability to cope with risks.关键词
数字金融/农村商业银行/风险承担/创新能力/盈利能力Key words
digital finance/rural commercial bank/risk-taking/innovation ability/profitability分类
管理科学引用本文复制引用
牛丽娟,徐艳红..促进还是抑制:数字金融对农村商业银行风险承担的影响[J].重庆理工大学学报,2025,39(6):105-117,13.基金项目
甘肃省哲学社会科学规划项目"乡村振兴背景下数字化赋能甘肃省城乡融合发展的机制与路径研究"(2023YB028) （2023YB028）
